Daycare Insurance Information
Child care centers need special insurance protection in order to operate their business and take care of children. But daycare insurance isn’t just about compliance; it’s also about protecting your finances from the cost of lawsuits and property damages while showing parents just how seriously you take the care of their children.
Our insurance carrier's offer the industries best child care insurance package that is uniquely designed to fulfill a wide range of special insurance needs for child care centers, preschools, day cares, and after school programs. The comprehensive program is designed to both nonprofit and for-profit businesses.
This programs liability insurance can protect you in the event you are accused of neglect or abuse, since the policy will pay defense costs as well as the judgment, provided that it’s within limits and was not due to willful neglect. The liability coverage can even cover incidents that occur while you and the children are away on field trips and can protect against accusations against any employees you have. In this day and age, when many children are on medication and some have food allergies, the added layer of protection provided by liability insurance is even more important.
If you provide transportation of the children in a vehicle then you will need a special commercial auto policy. You should also consider employment practices liability and worker’s compensation coverage in order to protect you against claims by your employees.
Liability isn’t the only risk that daycare providers are exposed to. Their business property may also be exposed to potential damage. Our programs commercial property insurance policy allows us to package the building, contents, some outside structures, liability and auto all on one policy. It’s important to note that flood insurance needs to be purchased separately.
Important Industry Coverages Offered:
- Child care centers professional liability including teachers' acts or omissions as a child care centers provider
- Coverage for field trips
- Abuse and molestation coverage
- Business interruption coverage
- Large excess liability limits available
- Corporal punishment coverage available
- Auto coverage includes buses, 15 passenger vans, and private passenger vehicles
- Coverage for after school programs as part of the child care center policy
At G & H Financial Insurance we want to make sure your business can operate smoothly without interruption which is why we work with our carrier's to provide you helpful risk management programs. Contact us for details on how we can help you with your business insurance at 281-395-5497 or submit a request to have an agent contact you.