Child Care Center Insurance

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 is important for your insurer to understand the needs of a child care center. It is 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 protection for the injuries of the students as well as liability protection for the workers in case of a negligence suit can protect against financial losses.

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 do not 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, Reach out to our team when you are ready to review options.

Request a child care center quote to get started.