Daycare Insurance

Whether you provide in-home daycare services or you have a commercial facility, you need insurance protection in order to operate your business taking care of children. But daycare insurance isn’t just about compliance with the State; it’s also about protecting your property and your finances from the cost of lawsuits all while showing parents just how seriously you take the care of their children.

Liability insurance is a must for both commercial and in-home care. With liability insurance, you can protect your business in the event of any injuries or property damage that arise out of your business activities. Liability coverage can also cover incidents that occur while you and the children are away on field trips. Children may need medications administered and some may have food allergies. Liability insurance can provide protection for these activities. You may have additional exposures, too. Is there a pool? Are there pets? All things to discuss when evaluating your insurance needs. 

Liability isn’t the only risk that daycare providers are exposed to. Business personal property needs protection, too, from risks such as fire, theft and more. A commercial insurance policy can provide coverage for property, as well as business auto and possibly workers compensation coverage. All things to consider with an agent. Give us a call at 630-762-9090 to discuss your coverage needs.