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Child Care Center Insurance

The right coverage, right from the start.

 

Child care center insurance for your business needs.

Parents trust child care centers with their children from the earliest days. As with any facility that caters to the care of young children, there are special risks in addition to the ordinary risks of running a business. Our specialized insurance policies will keep you covered.

Insurance that covers 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 they serve. It’s important for your insurer to understand the needs of a child care center. It’s not just any old business!

What is covered by a child care center policy?

For example, young children are more likely to fall or get injured than adults or even school-aged children. Therefore, having coverage for the injuries of the students as well as liability coverage for the workers in case of a negligence suit can help protect against financial losses.

 

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Coverage options 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 auto coverage for either a center-owned van or a worker’s own vehicle. Abuse and molestation coverage is essential when working with a young population.

The business side of child care centers.

And don’t forget other general business insurance elements such as workers’ compensation, employment practices liability, employee dishonesty, and cyber liability.

To learn more about how specialized insurance can benefit your child care center, contact us today.

 

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As an independent agency, we are here to help you find the right Child Care Center Insurance coverage.

Child Care Center Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

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Employment Practices Liability Insurance (EPLI)

Risk Factor

On average, it’s estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

Solution

Obtain employment practices liability insurance to protect your business and its directors, officers, and employees from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment.

Cyber Liability

Risk Factor
Just about all businesses rely on technology in some way; it’s increasingly used to store sensitive information, such as credit cards, passwords, and social security numbers. However, you’re at risk if this information is lost, stolen, or compromised. In fact, you may even be legally obligated to alert those impacted by the breach and possibly pay for any financial loss incurred.
Solution
Experiencing a data breach is often not a question of if but when. Securing a cyber liability policy can offer coverage for expenses associated with compliance regarding data breach notification laws, securing legal counsel to advise on incident response, credit monitoring services, and paying for regulatory defense, as well as penalties arising from privacy law violations.

Business or Commercial Auto

Risk Factor

You may have many exposures associated with your business vehicles—owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.

Solution

You may have many exposures associated with your business vehicles—owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.

General Liability

Risk Factor

Water on the floor, slippery entry in the winter, broken glass, and hazardous debris. These are all accidents waiting to happen, and can make your business susceptible to claims due to bodily injury, property damage, personal injury, and other related risks.

Solution

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action, regardless of its merit.

Student Accident

Risk Factor

Everyone knows that children can be accident-prone. Often they trip and fall, collide with one another, or even knock out a tooth or break a bone, so it is important to obtain a student accident policy.

Solution

A student accident policy can cover children’s medical bills if they are injured at the center or on a sponsored field trip or activity. There are two options. Full excess reimburses secondary to the child’s health insurance plan and primary reimburses on a primary basis, regardless of the child’s current health insurance plan.

Employee Benefits Liability Insurance

Risk Factor

It’s possible that your child care center could incur losses if you offer employee benefits to your team.

Solution

The administration of benefit plans can be tricky. Employee benefits liability insurance help cover any losses resulting from many types of employee benefits plans such as health insurance, retirement plans, and more.

Employee Dishonesty

Risk Factor

Given the potentially high value of the vehicles you sell and the amount of financial information you collect, your business is at risk for theft. What if one of your trusted employees is found guilty of doing something dishonest as it relates to his or her work with you?

Solution

Crime coverage can be obtained in your commercial property insurance, but coverage is very limited. Consider obtaining a standalone crime coverage policy that includes employee dishonesty coverage.

Professional Liability

Risk Factor

All child care centers and schools are at risk for professional liability claims to be brought against them for negligence.

Solution

Professional liability protects your teachers and child care employees. If your staff is sued due to negligence in relation to a child’s safety or for making an error in judgement, your center can also be sued.

Business Personal Property

Risk Factor

Fire, weather, burst pipes, and other losses are frequent for child care centers given the large amount of physical space required to operate. These losses can cause significant damage to the school’s business personal property.

Solution

Business personal property coverage allows the center to replace property that has been damaged or destroyed by a covered cause of a loss. For a child care center, this may include property like chairs, tables, books, toys, materials, and supplies.

Workers’ Compensation

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper insurance coverage in place.

Solution

Maintain workers’ compensation insurance to provide benefits to eligible employees. Otherwise, you can be penalized for every day that coverage is not maintained, as well as for any benefits an employee would have been eligible for in the event of a job-related injury or sickness.

Commercial Auto / Hired and Non-Owned Auto Liability

Risk Factor
If your restaurant offers food delivery service, whether the drivers are using their own vehicles or those owned by the company, you can be named in a lawsuit as a result of injury or damage caused by them while making a delivery for you.
Solution
A business auto insurance policy should be maintained if the vehicles are owned by the company. If employees are using their own vehicles to make deliveries, then hired and non-owned auto liability coverage should be maintained. Both will defend you if you are named in a lawsuit as a result of an employee getting into an accident while making a delivery for you.

Umbrella / Excess Liability Coverage

Risk Factor
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
Solution
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing financial value and security. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.