Day Care Insurance | Daycare Insurance | Day Care Center Insurance |

Day Care Liability Insurance | Daycare Liability Insurance

Insurance for a Daycare Center is often complex and always important. DurAmerica Brokerage represents insurance companies that specifically deal with Daycare Centers and provide the coverages that are essential for a Day Care Center.

What does your Daycare Liability Insurance Policy cover you for?

The Liability Insurance portion of a Daycare Center Insurance Policy is designed to insure and protect the business against losses or claims that may arise. These claims can be the fault or error of a third party or an employee of the daycare center. If the Day Care Center was found or held liable or negligent in the claim the Day Care Liability Insurance Policy will provide protection. The loss can be a result of a personal injury, loss of property and even an unfortunate death. Typically, damages, legal defense fees and settlement charges are all covered and paid by the insurance company providing the coverage or policy when a claim is filed against the business.

Bodily Injury Liability

Bodily injury liability coverage is insurance that protects you against financial loss including the cost of your legal defense, when you are legally held liable for injuring other persons. Liability coverage may pay the injured person or party for the cost of care, the loss of services and restitution for death that results from an injury.

Property Damage Liability

In the event your business or someone employed by your business causes damage to, or causes the loss of use of someone else's property, property damage section of your policy may pay for the value to restore or replace the property, or may pay to recover the loss of use of that property. We can insure the property against various perils or causes of loss such as fire, flood, collapse, theft and may more causes.

Abuse & Sexual Molestation Insurance

Abuse & Sexual Molestation insurance coverage is important in any Daycare Center but it is optional and does not have to be purchased. This essential coverage covers you for defense and possible judgements that might be brought up against you, your employees and or your Daycare Center for claims and suits regarding Abuse and Sexual Molestation. Although there may not be a judgment, the cost to defend these types of suits can quickly amount to very large out of pocket expenses and quite often can put a Daycare Center of any size out of business, even if the case is dismissed. Consideration to purchase this extension of coverage is highly recommended for any size Day Care Center.

Personal Injury & Advertising Injury

A Daycare Insurance Coverage Policy can provide additional coverage if you are accused of various other issues such as;

Publishing inaccurate information that slanders or libels a person or organization;

Publishing material that violates a person's right of privacy;

Janitorial Services, Chimney Cleaning, Swimming Pool Install

Falsely arresting, detaining or imprisoning someone;

Maliciously prosecuting someone;

Wrongfully evicting someone;

An accident and claim can leave you with an enormous liability exposure. If you, your employees and/or your Day Care Center are not properly insured with a Daycare Insurance Coverage Policy and are found guilty of any wrong doing you could be held personally liability for all legal expenses and any judgments that are put put against you. These expenses would then become an out of pocket expense that could severely burden your business, your personal financial stability and your families financial future.

Any type of business that involves children usually has more severe claims and judgements than businesses that do not involve children. Children make parents, the courts and our entire society more emotional than normal which is why a proper Daycare Center Insurance Coverage Policy is so important to the stability of your business.

Other important coverages and policies that we can offer for Day Care Centers are commercial auto insurance, workers compensation coverage for your employees, disability coverage for your employees and bonds that will allow your business to get licensed with the proper State agencies.

Let the professionals at DurAmerica Brokerage provide you with a free quote for your Day Care Center today

We Currently Offer Daycare Insurance & Daycare Libaility Insurance policies in New York, NY, New Jersey, NJ, Pennsylvania, PA & Connecticut, CT. Premiums for Daycare Insurance Coverage Policies can be as low as $1,000 a year. Call us today!