Daycare Liability Insurance
Under daycare liability insurance, your daycare will be protected from any claims of bodily injury, personal injury, or property damage.
Has a child ever slipped and fallen?
For example, if a child in your care falls off a swing in the playground and knocks out his two front teeth, you will be covered if the parents decide to sue for dental expenses and any emotional distress.
As a broad coverage, daycare liability insurance includes medical payments, so that you are able to pay for all reasonable medical expenses – regardless of your liability – that were incurred as a result of an injury obtained on your premises. You will also be reimbursed for any expenses of medical measures that you provide, such as any First Aid.
Coverage can also include attorney fees, court costs, and other related expenses. In Daycare Defender’s policy, personal and advertising injury liability is also included, protecting you from claims of libel, slander, product disparagement, piracy, infringement of copyrights, and other accusations.
Your current insurance may not cover it all
While your homeowner’s insurance or standard liability policy might cover the medical expenses of “slips and falls,” these policies were not designed with childcare operations in mind. Whether you own a family or commercial daycare, you need to ensure that you are covered for the specific types of liabilities associated with your unique business.
To prevent the devastating loss of finances or – even worse, your business – you need to think about insuring yourself against abuse charges, professional liability claims, or medical payments.
In a 2011 survey conducted by the U.S. Census Bureau, it was found that 61% of children under 5 years old needed childcare assistance. The majority of these children were cared for by relatives, but 32.9% (roughly 6.7 million children) were cared for in a nursery, day care center, in-home care facility, or Head Start program.
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