Insurance for Child Day Care Providers
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Supervising children in a daycare setting, and assuming responsibility for their safety and actions also means assuming risk for potential legal liability. If you have employees, transport kids to and from school, field trips, or other activities, then your childcare insurance program needs to protect you from another range of risk.
Pre-School, after school, or child day care is a business, and your service needs the kind of insurance most business need: high limits for general liability, insurance for your building and business property, business interruption insurance, and workers compensation insurance should all be part of your insurance program. Depending on your unique childcare services, you may also need tailored coverage such as:
- Abuse and Molestation Insurance
- Crime Insurance
- Non-Owned Business Auto
- Hired Auto
- Corporal Punishment
- Special Events Liability
- Child Abduction Insurance
- Student Accident Insurance
The professionals at Wilson, Timmons & Wallerstein Insurance, Inc. can help you assess your needs, and tailor an effective insurance program for your childcare businesses in Virginia.