Day Care Insurance
You protect the kids and we’ll protect you.
Being a child care provider is a very rewarding and noble profession. Unfortunately, it can also be one of the most frustrating jobs in certain situations. Parents are very protective and children can sometimes exaggerate or flat-out lie, so it’s incredibly important for day care owners to purchase insurance.
A good child care insurance policy can cover you in a variety of situations and The Keats Agency will work with you closely to determine what might work best for your day care.
• Transportation Coverage – Some child care providers will bring children to and from school, extracurricular activities or just along for basic errands. If a child is injured in a vehicle driven by you or one of your employees, transportation coverage will protect you from lawsuits.
• Child Abuse Coverage – This is a very touchy area for many people and child abuse coverage will cover claims made against you, your employees or other residents of your household.
• Alienation of Affection Coverage – Some parents may feel some guilt about needing to leave their child in your care while they go to work. Occasionally, you may be accused of “stealing the affection and control” of a child from their legal guardian and alienation of affection coverage is going to protect you.
• Personal Injury – This can be very important coverage because it will protect you from libel, slander, false arrest, wrongful eviction and malicious prosecution.
Your day care insurance can also include things like non-owned auto liability, incidental malpractice, defense coverage and contractual liability. A child care insurance policy can be tailored to fit your business, so contact The Keats Agency for a free quote by calling 888.804.5744 or filling out our online contact form.