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Childcare & Daycare Insurance
Are you a daycare owner, tutor, part of the childcare business or associated with an education facility? Do you run a kids camp or another type of organized children’s activities? Then you need to think about childcare insurance—especially if you happen to own the educational venue. As the property owner, you’ll want to consider coverage for things like playground and sports equipment, as well as musical instruments, art and decor—essentially anything of value in the teaching environment.
If you happen to run a daycare in your home, don’t assume that your homeowners insurance covers you for liability. In fact, homeowners insurance might exclude business activities on your property. As a business owner, you could be held liable for any harm that results from your day to day operations. With things like daycare insurance, tutor insurance and other types of educational insurance, you can be protected from every conceivable worst-case scenario involving a child, yourself or your home.
In any profession, mistakes can happen. In the education industry, it is possible for a mistake to negatively impact or cause harm to students, faculty or a school board. As a result, the educator may be sued and incur large legal fees. Professional Liability Insurance can help protect against such legal fees.
The main types of insurance an educational professional would benefit from is Professional Liability Insurance (Errors & Omissions) and Commercial General Liability.
Educators who own a business and operate out of a building they own or their own should also consider Commercial Property Insurance.
A Professional Liability Policy covers legal costs as a result of being sued due to alleged negligence
Get Your Childcare Insurance Quote
Education is a fulfilling career. But in today’s high-risk environment, even the most dedicated and experienced educators need to protect themselves. We understand the need for independent educators to ensure a safe learning environment. Regal’s independent brokers have your interests at heart and will help to find a childcare insurance package that works for you.