Daycare Insurance Policy in Connecticut

What is daycare insurance?

Operating any child care program comes with multiple risks, including some very serious ones. Programs must consider what would happen if a child were hurt or worse, on top of all the typical building, equipment, and common accident risks. Daycare insurance may help child care programs in Connecticut protect themselves from many of the potential risks that they face.

Daycare insurance is specifically designed for child care programs. Policies normally have coverages for common risks that organizations face, and also for risks more specific to watching kids.

What types of programs in Connecticut need child care insurance?

Virtually all child care programs, child care facilities, and daycares in Connecticut could have child care insurance. This broadly includes individuals, nonprofits, and businesses watching children. For example, policies are regularly purchased by:

• At-home child care provides
• Nonprofit child care programs
• Religious and non-religious preschools
• Pre-school and after-school programs
• Daycare facilities and programs
• Businesses with child care options
• Employers with child care options
• Other daycares and programs

Occasionally, businesses that aren’t in the child care space still need coverage. A few stores might offer child care while parents shop, and some resorts have children’s program options. These businesses may want to supplement their standard insurance policy with child care coverage.

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What coverages are included in child care policies?

Child care policies usually come with a variety of coverages that programs might need, including multiple liability protections and property protections.

Liability protections are normally for situations where a program could be found at fault for another’s harm, such as an injury to a child in the program. Some liability protections that policies regularly make available are:

• General Liability Coverage: Typically covers common accidents where a non-employee is injured, such as a “slip and fall.” Non-employees might be, children, hired cleaners, or other third parties. Generally liability also often protects against defamation claims.
• Abuse & Molestation Coverage: Typically covers cases where an employee or volunteer allegedly or actually has inappropriate contact with a child.
• Accidental Death & Dismemberment Coverage: Typically covers incidents where a child is injured, or worse, while at a program. Injuries might happen on field trips, on playgrounds, or in other places at the facility that’s used.
• Accident Medical Expense Coverage: Typically covers urgent care needed due to a child’s injury, such as an ambulance and emergency room visit. It often also covers subsequent medical care directly related to the accident.
• Directors & Officers Coverage: Typically covers decisions made by leadership that severely harm the organization. This is particularly important for nonprofit preschools and child care programs, and can be beneficial in other contexts as well.
• Commercial Umbrella Coverage: Typically provides additional protection for highly costly lawsuits, which exceed the limits of another liability coverage.

Property protections are normally for the assets that a child care program owns. Which ones are needed can vary a lot. An after-school or religious program might not need many of these coverages, but a daycare facility could need to insure an entire building. A few property coverages that might be needed are:

• Tenants Betterment Coverage: Mainly for improvements made by a daycare to its leased facility or space. This might include both indoor and outdoor changes.
• Commercial Building Coverage: Mainly for buildings owned by a daycare. It often also covers other structures around the building, such as a playground.
• Commercial Contents Coverage: Mainly for items owned by a daycare. These often are toys, books, computers, furniture, and other items.

Do at-home daycares need commercial insurance?

At-home daycares can face many of the same risks as larger childcare centers, including potential injuries to children. These risks often aren’t included under a homeowners policy, so commercial child care insurance is often recommended.

An insurance agent who specializes in child care policies will be able to help at-home daycare providers find a suitable and affordable policy.