Child Care

We offer daycare insurance on whether you operate business out of your home or center dedicated to this service.

  • General liability: This provides coverage for property damage or personal injuries suffered by third-parties while they are in your place of business. This is particularly important when dealing with children as they tend to get injured. In most cases, the injuries will be minor, but if an injury is severe enough to require medical attention, your facility may be liable for the expenses.
  • Premises liability: This provides coverage for the area surrounding your daycare facility including the parking lot and play areas. If anyone is injured due to your failure to properly maintain a safe environment, your business may be held liable for any ensuing medical bills or property damage.
  • Professional liability: This insurance covers your teachers and childcare workers. If your business is sued because a member of your staff has shown negligence or indifference to the children’s needs and safety, your business can be sued. Lawsuits can spring from mental, physical or emotional abuse of the children.
  • Commercial vehicle liability: This is required if your daycare business has company owned vehicles that are used to transport children to and from schools.
  • Non-owned or for hire auto liability: If you or any of your workers are likely to be driving children in privately owned vehicles for the purposes of field-trips or other outings, your business can be held liable for injuries or property damage if the driver is in an accident. This insurance covers privately owned vehicles when they are being used for company business.
  • Corporal punishment liability: If one of your employees strikes a child or is accused of administering corporal punishment, your business can be held liable.  This insurance option provides financial protection if you face a claim.
  • Abuse and molestation liability: If an employee of your daycare turns out to be sexually or otherwise abusive, your business can be liable for extremely expensive fines and medical payments. This insurance coverage will protect your business from severe financial losses.
  • Umbrella liability protection: This coverage provides additional liability protection beyond the limits of your insurance policy’s liability limits. Larger daycare facilities may benefit from this added coverage.

Child Care program is available for:

  • Profit and not-for-profit chartered centers
  • Franchises
  • Independently operated centers
  • Montessori child care

Specialty Coverage Highlights:

  • Abuse and Molestation Coverage
  • Errors and omissions protection for decision makers
  • Coverage for playground equipment and fences
  • Resources needed in case of a crisis including counseling, security and first aid
  • Coverage in case of a breach of children’s private information

Speak to a licensed agent (703)354-4594 or send us a message