Whether you operate your daycare business out of your home or have an established center dedicated to this service, you will want to consider daycare insurance. In many cases, this coverage is required.
Day care services generally include at least one meal a day, snacks, activities, naps, indoor and outdoor play areas, and various learning opportunities. Prescribed medication can be administered, but most day care centers do not have staff nurses.
Childcare centers and nursery schools are required to carry daycare liability insurance in order to be licensed by the Department of Health and Human Services (DHHS), and most states require this licensure in order for the businesses to legally operate.
- General Liability
- Daycare Professional Liability
- Commercial Property
- Commercial Auto
- Commercial Crime Coverage
- Workers Compensation Insurance
General Liability Insurance
Premises liability exposures are extremely high when young children are involved. The adult/child ratio should be low enough to permit adequate supervision.
"We insure California Daycare Centers at the best prices"
Commercial Property Insurance
Property exposures include an office, kitchen, classrooms, and outdoor play areas. Ignition sources include electrical wiring, stoves for cooking, and heating and air conditioning equipment. All wiring should be up to code.
Automobile exposures are a major concern and the potential for loss or injury is high if the facility transports children to and from off-premises activities.
Commercial Crime Coverage
Crime exposures are primarily from employee dishonesty. Hazards increase without proper background checks.
Workers Compensation Insurance
Workers compensation exposures from back injuries, lifting, hernias, sprains, strains, slips and falls can be high, along with exposure to communicable diseases.