Our commercial and home daycare insurance packages are designed to protect your business from a variety of childcaring 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 child kicks a ball in your outdoor play area and shatters a neighbor’s window. The
general liability coverage in your insurance package would help pay for a replacement.
Accidents that hurt someone
A child chips a tooth when falling from your playground equipment. Your
general daycare liability insurance coverage would also come into play here by helping to pay for medical costs and legal fees.
Professional mistakes
Your daycare accidentally serves a snack that contains an allergen and a child has to receive treatment.
Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.
Workplace injuries
An employee strains their back while picking up a toddler.
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
Your work van’s roof is dented by a fallen branch during an overnight storm.
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 frozen pipe bursts and floods your daycare facility.
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.
