Daycare Centers Insurance

Insurance Solutions for Daycares

As a daycare facility, you are at the heart of early childhood development, playing a crucial role in shaping the future of our youngest generation. You provide a safe and nurturing environment where children take their first steps in learning, social interaction, and personal growth.

This mission, though deeply rewarding, comes with its unique set of challenges and risks, including the unpredictability of accidents, such as children getting injured during play and property damage from unforeseen events.

These misfortunes highlight the need for comprehensive insurance solutions to ensure the safety of your daycare center and enable you to focus on what matters most—the future of our children.

Statewide Commercial Insurance Brokers is dedicated to assisting you every step of the way, ensuring that you have the comprehensive protection you need.

Coverages Offered

Our team recognizes the critical need to protect your daycare center when unexpected events occur, offering a range of insurance solutions designed to give you confidence that your assets are secure.

• General Liability Insurance: Protects your daycare business from financial losses due to third-party claims of bodily injury, property damage, or personal and advertising injury that occur as a result of business operations.
• Commercial Property Insurance: Safeguards your daycare’s physical assets such as buildings, inventory, furniture, and equipment, against damage due to events like fires, explosions, storms, theft, and vandalism.
• Commercial Auto Insurance: This is vital for any daycare center that transports children, whether for daily pickups/drop-offs, running errands, or special trips. This insurance covers accidents involving daycare vehicles, including coverage for liability, collision, comprehensive damage, medical payments (or personal injury protection), and uninsured motorist incidents.
• Workers’ Compensation Insurance: Mandatory in most states, this insurance covers medical expenses and a portion of lost wages for employees who get injured or sick as a result of their work.
• Professional Liability (Errors & Omissions) Insurance: Protects your daycare against claims of professional negligence, errors, or mistakes in the services you provide. This coverage is specifically designed to address claims that arise from professional advice, or services rendered, including allegations of failure to meet industry standards, incorrect advice, or breach of duty.