We Understand Childcare

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And the insurance challenges faced by regulated home childcare providers.

Are you running a childcare business from home?

If so, it is imperative that you disclose to your home insurance company that you are operating a childcare business out of your home – but be prepared, as you may run into some insurance obstacles.

  • The policy could be cancelled. Some home insurance companies will not insure the home even if the childcare business is insured under the agencies policy or if a separate commercial policy has been purchased. Their fear is that they will end up in court with the commercial insurer fighting over which policy will respond.
  • The company may provide coverage but limit/restrict the amount of children. Some home insurance companies will agree to extend liability for a flat charge per child but restrict the number to 3, 4 or 5 children.

Although challenges may arise when notifying your insurance company, not doing so could result in your home insurance not responding to a loss – even if it had nothing to do with the childcare business!

A Separate Commercial Policy Is Available

Starting at $520 a year (plus taxes & fees).

Our Online Platform Offers:

  • Commercial General Liability – $2 million to $5 million limits available. An example would be if a child was injured while in your care or if a parent slips and falls on your driveway when dropping off or picking up their child from your home.
  • Optional Abuse Coverage – coverage that provides compensatory & defense expense up to $100,000.
  • Optional Contents Coverage – coverage that protects damage to your business items such as toys, play equipment, and supplies you use exclusively for your childcare operation.
  • Business Interruption Coverage – is included when you purchase contents coverage and protects loss of income due to property damage. An example would be if a fire or tornado damaged your home including its contents, and you are unable to operate your business until the property is repaired or rebuilt.
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