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Daycare center liability insurance provides coverage in the event of personal injury on the daycare premises as well as property damage for which you have liability.

This type of coverage pays claims in the event a child suffers an injury on your premises. It also covers damage to the facility or personal property in the daycare as well as on the surrounding grounds.

Types

The best type of daycare liability insurance depends on where you will run the daycare. If you will rent or buy a commercial space in which to run the daycare, you will need a daycare business liability policy. If you have run another type of business in the past and already have a business policy, you can purchase an endorsement, an addition or change to your current policy, to cover the daycare business in particular. You will have to compare costs and coverages to determine which proves the best option for you. If you have never run another business in the facility, you will likely want to purchase a daycare liability policy rather than a general business policy that may not fully meet your needs.
Coverage
The best daycare center liability coverage provides the most insurance you can afford for the lowest possible cost. Some jurisdictions require a minimum of coverage, which you can find out about by contacting the department that provides daycare licensing in your area. Other jurisdictions do not specify a minimum amount of coverage, and you will have to estimate the amount you need with the help of an insurance agent or lawyer. Covered events may vary from policy to policy, but most include personal injury to the children in your care and property damage but exclude claims related to vehicles and intentional abuse or neglect of a child.

Cost
Typically, the best policy offers premiums that fit well within your business budget. However, premiums for daycare liability insurance vary based on the insurance company and the amount of coverage you seek. In general, the higher the coverage limit you choose, the more you can expect to pay for insurance. Insurance premiums may also rise in proportion to the size of the facility and the number of children you enroll. Additionally, choosing adds-ons such as daycare vehicle insurance may translate into higher premiums. Avoid making low cost your primary goal, however, because inadequate coverage can lead to financial ruin in the event of costly claims.

Let CCB Insurance Services help you choose a policy that will fit your individual needs.  Protecting your assets, whether personal, business, or both, is our goal.  A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. When you are considering day care/child care coverage in Dallas, TX. please call, or send us an online quote request!


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Insurance products are offered by CCB Insurance Services LLC, not by Clackamas County Bank. CCB Insurance Services LLC is licensed as an insurance agent and acts as agent for insurers. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states. Insurance Products: • Are NOT Deposits • Are NOT FDIC-Insured • Are NOT Insured By Any Federal Government Agency • Have NO Bank Guarantee • May Go Down In Value. In the case of an application for credit in connection with which an insurance product is solicited, offered, or sold, the bank may not condition an extension of credit on either the consumer’s purchase of an insurance product from the Agency, or the consumer’s agreement not to obtain insurance from another entity.