Day Care Insurance
Before opening or thinking about opening a day care center, you will need to purchase daycare insurance. Having the day care insurance will help give you a peace of mind knowing that your facility will be covered for physical injury of children and property damage.
In order for you to operate your licensed day care, a business policy with the coverage required is needed. Licensed and unlicensed centers will have different kinds of policies depending on what type of coverage you are looking to purchase.
Here are three types of liability insurance policies you can choose for your day care center.
Homeowner insurance or renter insurance will allow you to have the type of protection needed for both the children and your property. The only thing not covered on this type of plan is child abuse.
General liability covers the above plus field trips and child care abuse. Getting this extra coverage will not cost you extra money.
Professional liability, error & omissions insurance will give your day care center the most coverage within your day care insurance policy. Coverage also includes: negligence, personal injury, accident onsite (swimming pool, playground), field trips, child abuse, transportation (buses, cars), medical expenses to cover an accident and accidental death on the property.
Before opening the doors of your day care facility, it's crucial to get all the necessary information. This is a simple task to do. Just browse the Internet for tips and guidelines that will help get you started with your day care center. Try and get as much information to help get your business going.
Child Care Insurance Professionals offers cost effective, customer specific, risk management and loss protection for those in childcare, early education and private schools with professional one on one relationship to meet any day care insurance needs.