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Child Care Insurance

When people give, leave their kids at a day care facility their expectation is that their child is in a safe environment where the staff has had full background checks. When it comes to children, emotions often rule the reactions of parents to even minor mishaps. Major problems often prompt a lawsuit. These risks are the reason that anyone involved in child care services needs child care insurance.

In most states, child care providers need protection for licensure. However, this rule often is often waived for small child care providers, particularly those who offer the service in their home. Often, these child care providers mistakenly believe that their child care business has coverage under their homeowners or renters insurance policy.

BASIC CHILD CARE INSURANCE NEEDS

Every business needs insurance to protect its assets, it owners and employees, and its financial health. For adequate protection, your child care business needs no less than the following coverage.

General Liability

General liability insurance protects your business by covering the medical bills, lost income, and pain and suffering for anyone injured on your business’s property due to your negligence. Additionally, it covers property damage to the belongings of others that occurs on your premises and is your fault. An example of this type of damage is a broken stroller wheel because of a bad pot hole in your parking lot that is hard to see and without a barrier.

Property Damage

If you rent or own a site where you run your business, this insurance takes care of damages to the building from risks such as fire, flood, vandalism, theft, and falling objects. The contents of the building also need insurance – usually it is part of your property damage policy.

Loss of Income

If an incident occurs that shuts your business down for a time, this policy replaces the income you lost because of the shutdown of your center. One example is a child injury while in your care and the Department of Health is conducting an investigation.

Abuse and Molestation Insurance Policy

Kids say the craziest things to their parents, and even employees who have been background checked can do something inappropriate. Unfounded accusations are just as expensive to defend as those with merit and these policies pay for you and your business’s defense.

Commercial Auto

If you give even occasional transportation services, you need commercial auto insurance for all your vehicles used in this way.

Workers Compensation

The State of California requires that all employers carry workers compensation for protection of employees injured or who become ill from working.

A single lawsuit can wipe you out financially if the finding is against you. An umbrella policy with an extra $5 million of liability coverage picks up where your business liability policy ends. The coverage is very affordable and needed for your comfort knowing you have full insurance.

At Precision Insurance, we believe an informed insurance buyer is the best client. We cheerfully spend as much time with you as needed to give you the best insurance value in the market.

Call Precision Insurance Now

Contact Precision Insurance today: at 909-752-0239.

At Precision Insurance, we believe an informed insurance buyer is the best client. We cheerfully spend as much time with you as needed to give you the best insurance value in the market.