Daycare Insurance in Vermont

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What businesses in Vermont need a child care insurance policy?

Child care insurance is generally recommended whenever offering childcare or daycare services. Individuals, businesses, and nonprofits in Vermont might want coverage if they watch children. For example, policies are frequently purchased by:

• At-home daycare providers
• Nonprofit daycares
• Preschool programs
• After-school programs
• Other childcare businesses

A few businesses might offer short-term childcare, such as for customers or employees. These businesses normally need many of the coverages found in child care insurance policies, but they almost certainly have other coverage needs as well. A knowledgeable insurance agent can make sure the right coverages are in place.

What insurance coverages can child care insurance come with?

Child care policies usually offer a variety of protections, most of which are either liability coverages or property coverages.

Liability coverages are primarily in case a daycare could be held financially responsible for another’s harm. There are a number of liability coverages that daycares might want. Some of these include:

• General Liability Coverage: May apply if a non-employee is injured in a common accident, such as a “slip and fall.” Coverage could include if a parent, child, hired cleaner, or other third party is injured. Protection against defamation claims is often also included.
• Accidental Death & Dismemberment Coverage: May apply if a child is injured, or worse, while at a daycare. Coverage could extend to the playground, elsewhere at the daycare, field trips, and other places.
• Accident Medical Expense Coverage: May apply if a child’s injury requires urgent care, such as an ambulance ride and emergency room visit. Coverage frequently also includes non-immediate medical care that’s directly tied to an accident.
• Abuse & Molestation Coverage: May apply if an employee allegedly or actually has inappropriate contact with a child. Coverage could include volunteers as well.
• Directors & Officers Coverage: May apply if a daycare’s leadership makes a decision that severely harms the daycare. This can be an important coverage for nonprofit preschools and child care programs to have, and might be useful in other situations too.
• Commercial Umbrella Coverage: May provide additional protection for particularly expensive lawsuits that exceed another liability protection’s limits.

Property coverages are mainly for the different types of property that a daycare might own. Which of these coverages a daycare needs can vary significantly depending on what a daycare has. There are several common property coverages to consider:

• Tenants Betterment Coverage: Typically insures improvements made by a daycare to a facility or space that it leases. This can include both indoor and outdoor improvements.
• Commercial Building Coverage: Typically insures a building that a daycare, itself, owns. Other structures around a building are frequently also protected.
• Commercial Contents Coverage: Typically insures items that a daycare has. Protection might include everything from toys and books, to computers and furniture.

Do at-home daycares need commercial insurance?

Providing child care in an at-home daycare setting still comes with significant risk. A child can still be injured, your daycare’s toys and items could be destroyed by fire, or someone could even make accusations. Because at-home daycares aren’t immune from such risks, commercial child care insurance is generally recommended.

What liability limits should daycares choose when getting an insurance policy?

A liability limit normally is the maximum amount that a specific liability coverage will pay if there’s a covered claim. Since the legal fees and settlements associated with liability lawsuits can be quite expensive, fairly high limits are often recommended. 

An insurance agent specializing in child care policies will be able to help determine a specific amount for each liability coverage’s limit.

Where can child care programs in Vermont get daycare insurance?

If you need help insuring a daycare or child care program, contact the independent insurance agents at Palmer Insurance. Our Vermont agents will help you find daycare insurance that provides robust protection.