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INSURANCE Day care insurance is a necessity. Your business insurance needs can be fulfilled by visiting our insurance sponsors below. For more information and/or articles pertaining to insurance, click here. Thank you for visiting and remember to bookmark this page! Enjoy your stay, The Staff at DaycareMall.com Like other small business owners, child care providers need life, health, and disability insurance to protect them from losing their income. Because they work with children, day care providers face unique risks. The greatest risk a day care provider faces is the injury or death of a child or client. If an insurance company or a jury holds the provider responsible, he or she could lose great amounts of money. Providers should prepare for the risk now. WHY YOU NEED INSURANCE COVERAGE Child care providers risk three types of financial loss. If a child is injured, a day care provider may have to pay the victim's hospital and doctor bills. If there is a lawsuit, damages may be awarded to the victim or the victim's family. In addition, a provider could have to pay court costs and attorney fees. Medical or accident insurance will pay for the victim's doctor and hospital bills. Most liability policies include medical and accident insurance. If your policy does not, you might need separate coverage. Liability insurance usually will pay for damages awarded by the court. These policies also will pay the defense costs. Some providers feel they do not need insurance because they have never had an accident. Unfortunately, the future cannot be predicted - an accident could occur at any time. However, a good safety record may be helpful in buying insurance. Those people with a history of accidents will probably pay more for insurance. Sometimes providers try to substitute waivers signed by parents for insurance. This is unwise. Legal advisers agree that waivers will not hold up in court. Most consumers are familiar with liability insurance since it is an important part of homeowner's and automobile insurance. Yet, virtually all homeowner's insurance policies and some personal automobile insurance policies exclude coverage for claims related to the operation of a home-based, small business. Many homeowner's insurance policies exclude coverage for claims related to child care....read the entire article here Elaine Wilson Parenting Specialist Oklahoma State University Reprinted with permission from the National Network for Child Care - NNCC. Wilson, E. & Burns, M. (1993). Liability insurance (HBB7-5). In Child care home. Stillwater, OK: Oklahoma State University Cooperative Extension Service. return to top of page

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