Article provided by: Day Care Insurance Services, Inc.
If you own a daycare center, you know the importance of keeping children safe and healthy. While you may do everything possible to maintain a secure facility, accidents can happen. When a child gets hurt, you could be responsible for the injury. The best way to protect your business is with child care center insurance. Insurance will ensure that you won’t lose your business because of a negligence lawsuit.
What is Child Care Center Insurance?
Child care center insurance is a specific type of coverage that protects you from having to pay expensive legal fees and damages if you are accused of negligence. Daycare provider insurance is the best option for those who own childcare facilities. At DCI, we offer a wide range of daycare provider insurance policy choices to fit your needs and budget. Lawsuits can be complicated, lengthy processes that could be extremely expensive and time-consuming if you don’t have insurance coverage. An insurance policy gives you peace of mind that you won’t lose everything if an accident happens.
Benefits of Child Care Center Insurance
There are several benefits to getting insurance. The most significant advantage is that insurance protects your business from lawsuits should a child get hurt while in your care. Although you may have parents sign waivers, remember that these documents won’t prevent you from expensive litigation. One of the benefits of insurance is that the policy covers legal fees to defend a case of neglect. Without insurance, you will need to pay these expenses out-of-pocket, even if the claim is not founded.
What are the Types of Child Care Insurance?
There are many options available as part of a child care insurance policy. It is best to review your specific needs to create a policy that includes everything necessary. A policy should include coverage of children at all times while they are in your care, including when you leave the facility. Some of the most common coverage options include defense coverage, child abuse, personal injury, incidental malpractice, products liability, medical coverage, and transportation coverage. Choose a policy that meets the minimum requirements in your state, but add as much coverage as you can afford.
About DC Insurance Services
At DCI, we are a leading child care center insurance provider. We have been offering insurance since 1968, and we specialize in policies for childcare providers. We are a leading daycare insurance company with years of experience and knowledge in helping facilities and individuals get the coverage they need. We offer many options that are ideal for childcare insurance coverage. Our experts will be happy to assist you in developing a policy that includes coverage that will be best in your case. We are available to answer your questions and will provide you with a fast, no-obligation quote. People today are quick to file lawsuits for many reasons. Don’t risk your business by going without insurance. Count on DCI to give you the best insurance options at affordable rates. Contact us today by submitting the online form to get started.