CHILD CARE PROVIDERS INSURANCE



CHILD CARE PROVIDERS INSURANCE

If you are going to provide care to children in your home, you should consider a good insurance policy. There are two basic kinds—non commercial and commercial. Commercial insurance will cost more, but will give you greater coverage, and can give you coverage for more children than a non- commercial policy, which typically covers a maximum of 6 children.

• Contact the company that you use for your homeowner’s insurance. It is important that you inform them that you are providing care in your home---they may be able to offer you an additional policy (often called a “rider”) to your homeowner’s policy. Find out what kind of coverage they offer, and what the rate will be.

• If you are a renter, you may be able to get “Renter’s Insurance” from a local agent. Call and compare coverages and rates.

• If you have access to the internet, you can contact the following two agencies for information and online quotes:

or 1-877-799-8980

American Federation of Daycare Services

When comparing policies and coverage, ask if the following kinds of coverage is offered:

• Bodily Injury & Property Damage

• Allegations of Sexual Abuse

• Medical payments due to accidents

• Personal Injury for libel, wrongful eviction

• Defense in case of a lawsuit

• Loss of business income

Most insurance companies will have some limitations for who they will cover. Some of those things are:

• Certain breeds of dogs.

• Swimming pools

• Maximum number of children in care

• Fencing

• Child Care Division registration status

• Your experience and education

Policies vary widely, so it is good to call and talk with several companies.

Auto Insurance

If you plan to offer transportation of children in your own car, you need to have appropriate auto insurance coverage. First of all, you must notify your current auto insurance carrier that you will be transporting children who are in care. They may require you to carry an additional policy to cover the transportation of children in your care.

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