Our child care insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:
Damage to someone’s property
A family’s high-end stroller is broken while you’re on an outing with their child and they blame you for the damage. The general liability
coverage in your insurance package would help pay for a replacement.
Accidents that hurt someone
A parent slips down the front steps of your home day-care business and breaks their arm. Your general child care liability insurance coverage
would also come into play here by helping to pay for medical costs and legal fees.
A client claims that you didn’t provide the educational services outlined in your contract and asks for their money back. Professional liability insurance
could help cover expenses to defend yourself.
An employee trips over some toys and injures their leg. Workers’ compensation insurance
with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.
Injuries and damage involving your business vehicles
While driving on a field trip, you rear end another vehicle with your work van. Commercial auto insurance
will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.
Damage to your own property
A small fire breaks out in your child care facility’s kitchen. Commercial property insurance
can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.