Commercial Child Care Facilities
- Commercial Child Care Centers
- Nursery Schools
- Montessori Schools (serving children 7 years old or younger)
- After School Care
- After School Programs
- Day Camps (in conjunction with a child care center)
- Tutoring (if conjunction with a child care center)
The graphic below is interactive.
Explore and learn more about some unique risks as well as the related insurance solutions
Commercial General Liability
Possible Liability: Claims due to accidents for property damage, bodily harm, personal injury.
Solution: General Liability is necessary to save commercial child care facilities from financial loss, lawsuits, claims, or damages due to non-professional negligent acts by your services, company operations, or your employees.
Business Personal Property
Possible Liability: Inclement weather, fire, theft, burst pipes, etc are the usual losses in a child care facility’s property.
Solution: This policy can allow for the replacement of damages caused by a covered loss. Detailed coverage can be discussed with an agent.
Child Facility Vehicles
Possible Liability: Possible lawsuit for any injury or damage to property caused by the vehicles hired or owned by the business for meetings, transporting children to and from the facility, etc.
Solution: You can have a commercial auto insurance policy in place for company-owned and maintained vehicles. Alternatively, you can have hired/non-owned auto liability coverage added to the company’s general liability policy.
Possible Liability: Claims due to negligence or error in judgment related to child care.
Solution: Provides protection for the child care facility, teachers, and child care employees at the event of a lawsuit.
Possible Liability: Children being accident-prone is normal and that is why it is a must to have student accident insurance.
Solution: This policy helps cover for student medical bills should they get hurt during a school field trip or within school premises.
Possible Liability: Most states require employers to cover for any job-related injuries or sickness employees may have.
Solution: Make sure to add this to your policy to avoid fines and be able to provide benefits to eligible employees.
Possible Liability: Claims made by any current or former employees, applicants, clients, or potential clients for what they feel is unequal or unfair treatment.
Solution: Employment Practice Liability Insurance usually comes as a standalone policy and can cover the business for alleged discrimination, wrongful termination, sexual harassment, service refusal, etc.
DISCLAIMER: Consult actual policy for exact terms and conditions or talk to your insurance agent for clarifications.
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