We live in a litigious society. Child and pet care facilities, be it in an established commercial center or at an in-home environment can benefit from taking out coverage in the form of daycare insurance.
Why would a Church daycare need insurance?
There are a multitude of reasons someone might file a lawsuit against a daycare facility, Church-affiliated or otherwise. Claims may originate from parents or employees.
Workers Compensation Claims: Working with kids and animals could easily lead to an injury such as back strains, sprains, hernias or other lifting injuries.
On-Premises Liability: Careful evaluation of the structure used to facilitate the daycare is needed. Drop off and pick up must be secure as well as all doors locked during operating hours to prevent kidnappings or children from escaping. Regular evacuation drills are recommended and all teachers must be trained for emergency circumstance.
Crime Exposure: Employee dishonesty can cost companies a fortune. No matter how carefully you screen, you just never know for sure if someone poses a risk, financial or otherwise.Embezzlement can take a toll on any company and when dealing with children, there is an additional risk for abuse or molestation allegations.
Medical: Would cover accidental injury or death of any child or pet in the care of the facility.
Even if you are operating out of your own home, homeowner’s insurance does not cover these issues. By leaving it to chance you may ultimately be leaving yourself open to being personally liable. It is imperative to get coverage under a separate business policy.
For a Daycare Insurance quote please fill out the form to the right and we will get back to you shortly!