If you run a daycare, it might feel like your days are filled with barely organized chaos. Kids are a lot of work! Not only that, but your business (even though you might not think of your daycare as a “business”) is open to a lot of risks. Now, you probably want to focus on the kids and your daycare. You probably don’t want to be dwelling on the what-ifs. So that’s why there’s daycare insurance. How do you get insurance for a daycare? We’ll explain.
How to get insurance for a daycare.
1. Know your risks.
Not that anyone wants to dwell on the doom-and-gloom scenarios, but it’s important to understand your risks. It’s not just about what-ifs and making yourself panic. It’s about knowing what your daycare insurance needs to be able to do. So, consider the following:
- What if a student is injured on your property because they’re just having a blast playing? (Playgrounds are no joke.)
- What if a visitor (i.e. a parent) is injured on your property?
- What if you want to take your kids on a field trip?
- What if you have to transport the children?
- What if someone sues you over bodily injury or property damage?
- What if you or one of your staff members gives medication to the wrong child on accident?
- What if you’re accused of slander or libel?
These are just a few possible what-ifs that might make you uneasy. These are also risks that you need to consider when getting insurance for a daycare.
2. Understand the coverages you might need.
It’s also important to understand the coverages that you might need for your daycare. Here are a few of the main coverages that you can consider for your daycare:
- Student accident
- General liability
- Workers’ comp
- Transportation insurance
- Non-owned liability coverage
- Incidental malpractice
- Professional liability
- Products liability
You may need more coverages than these, though, which is why it’s a good idea to talk to an insurance professional about your specific daycare and the risks you face. Speaking of which, that leads us to our next step – how our insurance professionals can get you the coverages you need for your business.
3. Get quotes for your daycare insurance.
At InsuranceHub, our team of insurance experts can help you get quotes for daycare insurance. Here’s how that works:
You reach out to our team.
The first step is to reach out to our team so that we know you’re looking for daycare insurance quotes. Our goal is to make insurance easy, so we have a few ways you can contact us.
You can give us a call. Some people prefer to talk on the phone, and we’re fine with that. Just give us a shout and let us know that you need insurance for a daycare – we’ll be on the case.
You can fill out our online form. If you choose to fill out our online form, that lets us gather some of the information we need to get a quote for your daycare insurance. This allows us to get a bit of a head-start so we can make the process go faster.
You can message us. We have LiveChat, and if you send us a message we can connect you with an agent who can assist with your insurance needs.
You can email/text. If you’re busy and you can’t talk on the phone, just let us know that you prefer to email or text. We’d be happy to use email or text to talk with you about your insurance.
We have a quick chat about your business.
One of our agents will need to have a quick talk with you so that we’re sure we understand your business and insurance needs. We want to be able to best assist you with your insurance, and that means we need to ask a few questions so that we know we’re helping you get the proper insurance. Don’t worry – we won’t take up too much of your time.
We get your daycare insurance quotes.
The next thing that happens is we get quotes for your daycare insurance. We’ll go shopping for your insurance so you don’t have to worry about getting multiple quotes. We know that insurance can feel very daunting, which is why we take care of the shopping part for you.
We’ll go over the quotes with you.
What happens next is we come back with your quotes and we go over your options with you. We’ll answer any questions you have about your insurance, big questions and small questions alike. This is the coverage that’s protecting your business, so we want you to feel like you have real peace of mind and that you know what’s going on with your daycare insurance. So, let us know about any questions you have!
We’re here to help.
After you get your insurance, we’re not going to leave you stranded. We’ll be around to help with any insurance questions or issues that come up, and we’ll be here to help resolve any of these things. We won’t just disappear. We’re here for you.
So, that’s the general idea about getting insurance for a daycare. All you have to do to get started with your quotes is fill out our online form or give us a call. We’re here to help with your insurance needs.