Child care providers may be sued based on allegations that a child was physically abused or sexually molested. Claims may arise from acts allegedly committed by the operator or their employees, volunteers, visitors, or family members.

The plaintiff claims the provider failed to supervise an employee or volunteer adequately or hired someone without a proper background check. Unfortunately, many liability policies covering child care facilities exclude claims alleging physical abuse or molestation. Fortunately, some insurers offer abuse and molestation coverage for an additional premium.

If you own the building that houses your child care facility, you may need commercial property insurance to help protect both your building and its contents. Likewise, if you rent, you may need property insurance to cover your valuable equipment.

You can get coverage based on a particular cause, which means you’re covered for events like fire, burglaries, vandalism, and frozen pipes.

Your pick and drop van might face an accident and get damaged. You become liable for the damages caused and also for the lawsuits if any.

If you use a car, truck, van, or combination of vehicles for your childcare business, then you need commercial auto insurance to cover damages and lawsuits in case of an accident.

You might face instances where the expenses incurred exceed your insurance coverage. If you don’t have enough coverage, you will be liable to pay the additional money from your pocket.

Umbrella liability insurance provides additional coverage when claims exceed the limits of underlying liability policies, including general liability and commercial auto insurance. Legal fees can easily exceed coverage limits on liability policies, and one liability policy can’t make up for another. Umbrella insurance picks up where your other liability policy falls short.