Childcare & Daycare Insurance

One of the first things that must be procured when owning or purchasing a childcare center or Montessori School is Daycare Insurance. Many questions come to mind; what is enough, how do I choose an agent, what coverage do I need, how do I pick a company and, is it a good company?

 

Five key items to consider when discussing Childcare insurance include: Liability, Accident, Employee Liability (fair/unfair hiring practices) Transportation (van vs. bus), and an Umbrella. I can help your facility or center with custom tailored insurance program to address your school's unique exposure and risk tolerance.

Some of the plan features I offer include:

• Property Insurance
• Business Interruption/Extra Expense
• Water Back-up of Sewers and Drains
• Fences
• Playground Equipment
• Spoilage
  
  
• Liability Insurance
• Abuse Molestation
• Volunteers Added as an Insured
• Employee Dishonesty
• Childcare Legal Liability
• Professional Liability
  
  
• Commercial Auto Insurance
• Medical Payments
• Hired & Non-owned
  
  
• Worker’s Comp Insurance
• Student Accident Insurance

Owners realize a great deal of time and effort goes into developing a professional childcare operation. Key components are: protection for the registered students, bus(es), building, and its contents. Qualified Daycare insurance coverage should offer comprehensive protection for both owner and registered students in the owner's care.

For those of you that operate a childcare or school within a church there are even more avenues of coverage available. Allow me to share my Daycare Insurance expertise with you!