If you answered YES to any of these questions, you may wish to consider General liability insurance to help protect your Childcare center. General liability insurance is designed to protect the assets of your business when it is sued for something it did (or didn’t do) that caused bodily injury or property damage to others.
Request QuoteThis provides coverage for accident injuries to children regardless of fault. It is typically used as a “goodwill” gesture to keep parents happy while protecting your liability insurance from having too many claims.
Request QuoteIf you answered YES to any of these questions, you may wish to consider abuse liability coverage to help protect your Childcare center in the event you are faced with a claim alleging abuse of a child attending your center caused by negligent hiring, screening or supervision.
Request QuoteChildcare and early education employees are expecting a more professional work environment than they have in the past. When workers feel they are not being treated fairly, in some cases, they hire attorneys and file employment practices liability claims against the center. Some examples of this are not paying your employees for all hours worked, sexual harassment complaints, and wrongful termination.
Request QuoteIf you answered YES to any of these questions, you may wish to purchase property insurance to protect your Childcare center. Property insurance such as building and business personal property coverages protect your business against the financial loss associated with physical damage to the area in which your business operates and the property housed there.
Request QuoteEvery business has a legal obligation to keep its employees safe while at work. This responsibility can be fulfilled with workers' compensation insurance. Each state has specific requirements for businesses owners in regard to workers' compensation. California workers' comp laws mandates that employers must either obtain CA workers’ compensation insurance, self-insurance workers' compensation, or be legally exempt for the requirement to provide workers' compensation coverage. Even if you’re company is exempt, that does not mean that you are relieved of potential liabilities should an employee become injured.
Request QuoteIf you answered YES to any of these questions you may wish to consider automobile insurance to help protect your Childcare center. There are various automobile coverages available for purchase such as auto liability, auto physical damage, medical payments, uninsured/underinsured motorist, comprehensive and collision coverage and non-owned auto coverage.
Request QuoteBusiness Income Insurance is a type of property insurance designed to cover your loss of business income due to the necessary suspension of your Childcare operations following a covered cause of loss. It can also include Extra Expense insurance, which covers your necessary business expenses that would not have occurred if the loss had not happened.
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