General Liability Insurance for Daycares:
Daycare centers face everyday risks, from playground accidents to slip-and-fall injuries. Our childcare general liability insurance protects against bodily injury and property damage claims. Coverage includes playground and facility protection to cover medical expenses if a child is injured on your premises, accidental property damage for damage caused by children or staff to a leased or owned facility, and third-party liability to protect against lawsuits related to accidents on daycare grounds.

Professional Liability (Errors & Omissions) Insurance:
Providing quality childcare involves decision-making that can lead to disputes or negligence claims. Professional liability insurance for daycare centers covers claims of negligence if a caregiver fails to provide proper supervision, leading to injury, misrepresentation lawsuits stemming from discrepancies in services promised versus delivered, and legal defense costs to help cover court fees and settlements in case of a claim.

Abuse and Molestation Liability Coverage:
Childcare providers must have protection against allegations of abuse. Abuse and molestation liability insurance helps protect against false allegations that could threaten your business, covers legal fees and settlements related to abuse claims, and safeguards staff and business reputation by ensuring proper risk management support.

Daycare Property Insurance:
Your daycare relies on buildings, playground equipment, furniture, and learning materials. Our daycare property insurance ensures you’re covered in case of theft or vandalism, offering protection against break-ins, stolen equipment, and property damage. It also covers fire, flood, or storm damage, ensuring your business can recover quickly after disasters, as well as business personal property coverage for educational materials, electronics, and supplies.

Commercial Auto Insurance for Daycare Transportation:
If your daycare provides transportation, commercial auto insurance for childcare centers is essential. Coverage includes liability for accidents to protect against claims from injuries sustained in daycare-owned vehicles, vehicle damage coverage for repairs or replacement in case of an accident, and hired and non-owned auto coverage to provide protection if employees use personal vehicles for daycare purposes.

Business Interruption Insurance for Daycares:
If your childcare center faces unexpected closure due to natural disasters, fires, or other covered perils, business interruption insurance provides lost income replacement to cover lost revenue due to closure and ongoing expense coverage to help pay rent, utilities, and staff salaries while operations are suspended.

Workers’ Compensation for Childcare Employees:
Protecting employees against workplace injuries or illnesses is essential for daycare operations. Workers’ compensation insurance covers medical expenses for treatment costs of work-related injuries such as lifting-related strains, lost wages to provide income replacement for employees unable to work, and employer liability protection to guard against lawsuits related to workplace injuries.

Employment Practices Liability Insurance (EPLI):
Employment Practices Liability Insurance (EPLI) provides protection for daycare centers against claims related to wrongful termination, discrimination, harassment, retaliation, or other employment-related issues. Given the sensitive nature of childcare operations, daycare facilities must ensure a fair and legally compliant work environment. EPLI helps protect against claims brought by employees, such as disputes over hiring and termination practices, allegations of unfair treatment, or wage and hour violations. In an industry where staff interactions with children, parents, and coworkers are critical, EPLI ensures your business is financially protected from costly legal battles that could arise from workplace-related allegations.

Cyber Liability Insurance:
Cyber Liability Insurance protects daycare centers from the growing risks of cyber threats, including data breaches, ransomware attacks, and accidental leaks of sensitive information. Childcare businesses often collect and store personal data, including children’s medical records, parent contact details, payment information, and staff employment files. A cyberattack could compromise this sensitive data, leading to financial losses and reputational damage. This coverage helps with legal expenses, regulatory fines, data recovery, and breach notification costs, ensuring your daycare center can recover quickly while maintaining the trust of parents and staff.

Umbrella & Excess Liability Coverage:
Provides an extra layer of liability protection by extending coverage beyond the limits of primary insurance policies, ensuring financial security in the event of substantial claims.