Day Care Insurance: Protect Your Business and Reputation

Running a daycare is a rewarding business, but it also comes with risks. From accidental injuries to property damage and liability claims, childcare providers must be prepared for the unexpected. Daycare insurance offers financial protection, ensuring that your business remains secure while you focus on providing quality care for children.

Types of Coverage for Daycares

A comprehensive daycare insurance policy should include several key types of coverage to protect your business from various risks.

1. General Liability Insurance

• Protects against claims of bodily injury or property damage that occur on your premises.
• Covers medical expenses if a child, parent, or visitor is injured.
• Pays for legal defense costs if your business is sued.

2. Professional Liability Insurance (Errors & Omissions)

• Covers claims related to negligence, mistakes, or failure to provide proper care.
• Protects against allegations of improper supervision, inadequate training, or miscommunication with parents.

3. Abuse and Molestation Coverage

• Essential for childcare providers, this coverage protects against allegations of physical, sexual, or emotional abuse.
• Covers legal fees and settlements in the event of a claim.

4. Commercial Property Insurance

• Protects your daycare facility, furniture, toys, and equipment against fire, theft, vandalism, and natural disasters.
• Covers repairs or replacement costs to keep your business running smoothly.

5. Workers’ Compensation Insurance

• Covers medical expenses and lost wages for employees injured on the job.
• Required by law in most states for businesses with employees.

6. Business Interruption Insurance

• Provides financial support if your daycare must close temporarily due to a covered loss, such as a fire or natural disaster.
• Helps cover ongoing expenses like rent, utilities, and payroll during the downtime.

7. Commercial Auto Insurance

• If your daycare provides transportation for children, this coverage protects against accidents involving daycare-owned vehicles.
• Covers medical expenses, vehicle repairs, and liability costs.

How Much Does Daycare Insurance Cost?

The cost of daycare insurance varies based on location, number of children enrolled, and coverage limits. Here’s a general cost breakdown:

Factors That Affect Cost:

• Business size and number of employees.
• Claims history and risk management policies.
• Type of coverage and policy limits.

How to Choose the Best Daycare Insurance Policy

1. Assess Your Risks

   • Consider potential hazards in your daycare facility, such as playground injuries, food allergies, or staff negligence.

2. Compare Coverage Options

   • Choose a policy that includes liability, property, and specialized coverage tailored to childcare businesses.

3. Work with an Experienced Insurance Provider

   • Find an agency that specializes in daycare insurance to ensure you receive the right coverage at the best price.

Why Choose Toby Hansen Agency for Your Daycare Insurance?

At Toby Hansen Agency, we understand the unique risks daycare providers face. We:

✅ Compare nearly 100 insurance carriers to find the best coverage at the lowest price.
✅ Offer customized policies designed specifically for childcare businesses.
✅ Provide expert support to help you navigate claims and risk management.

Get a Free Quote Today

Protect your daycare and your business with comprehensive insurance coverage. Contact Toby Hansen Agency today to get a personalized quote and expert guidance!