Child Care Center Insurance

Child care center insurance helps cover your business so you can care for them.

Insurance that helps cover the risks of child care.

All businesses need insurance for their building, business property, and other equipment. Child care centers have additional insurance needs that relate directly to the care they provide and the young population that they serve. Whether you run your child care business from your home or a commercial building, you’ll need coverage specific to the needs of your business.

What is covered by a child care center policy?

Child care center insurance provides coverage for business property and liability, with the availability of coverage options for your unique risks. For example, young children are more likely to fall or get injured than adults or even school-aged children. Therefore, having protection for the injuries of the students as well as liability protection for the workers in case of a negligence suit may protect against financial losses. Other coverage options you may want to consider in your child care center insurance policy include:

Abuse and Molestation Liability
Business Auto
Commercial Property
Employment Practice Liability
Hired and Non-Owned Auto Liability
Professional Liability
Student Accident Liability
Workers’ Compensation

Coverage that’s unique to the child care industry.

Child care centers must also insure against damage to the school or any of its property and equipment, including outdoor play structures and toys. Centers that provide transportation for students need proper business auto coverage for either a center-owned van or a worker’s own vehicle. Abuse and molestation liability coverages are essential when working with a young population.

The business side of child care centers.

Your child care center is more than just a place for learning or simply a daycare, it’s also a business. That means in addition to the coverage specific to child care centers and daycares, there are other business insurance coverages you may want to consider, such as workers’ compensation, employment practice liability, employee dishonesty, and cyber liability.

Are you looking for child care center insurance to safeguard your business so you can keep teaching and watching over the children under your care? Contact us to go over the insurance needs of your child care center.