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The Top Insurance Protections Your Day Care Service May Want To Secure

If you run a day care or childcare service, you may be looking into your day care services insurance options right now. Having appropriate insurance coverage is a crucial piece of keeping your business and your caregivers as protected as possible. Before you purchase a daycare policy, make sure that you’ve checked these basic insurance protections off the list.

Your Day Care Likely Requires Basic Liability and Property Protections

For a strong foundation, check that any insurance policy you’re considering covers basic liability and property issues. For instance, it’s often useful to have:

  • General liability coverage
  • Professional liability overage
  • Crime and cybercrime coverage
  • Equipment breakdown coverage
  • Property damage coverage
  • Business interruption coverage
  • Management liability coverage

You May Also Want Policies To Protect Your Employees

In addition to liability and property protections, you may also want to look for a policy that offers key employee protections. For example, your workers could benefit from:

  • Workers’ compensation coverage
  • Commercial umbrella coverage
  • Abuse allegations coverage for workers and volunteers
  • Discrimination allegations coverage
  • Lawsuit reimbursement coverage

As a childcare provider, you’re likely on the hunt for comprehensive insurance protections for your business. As you research your options for day care services insurance, make sure you secure the necessary liability, property, and employee protections your day care center likely needs or could benefit from.