Spring Refresh: 10 Insurance-Smart Tips for Childcare Providers

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Spring is in the air — and for childcare providers that means more outdoor play, field trips and seasonal activities. With the promise of warmer weather comes new risks, so now’s a great time to refresh your safety plan and understand how your insurance policy responds to seasonal incidents.

1. Check Outdoor Play Areas

Inspect playground equipment, walkways and fenced areas for hazards such as slippery surfaces, exposed roots or loose gravel. Document your maintenance with checklists and photos.

2. Update Emergency Contact Info

Ensure all parent/guardian emergency contacts are current and easily accessible. Keep printed lists near phones and digital copies backed up.

3. Review Your Policy Coverage

Take time to review your childcare liability and contents coverage. Understand what’s included if a child is injured during outdoor activities or while on an outing.

4. Sun Safety & Hydration Protocols

Add sunscreen application procedures, shaded rest spots and hydration reminders to your daily routines — and share your plan with families.

5. Parent Consent Forms

Refresh consent forms for outdoor play and off-site trips. Clear documentation helps if there’s ever a claim situation.

6. First Aid Supplies Check

Restock first aid kits and verify staff certifications are up to date.

7. Allergy & Medication Plans

Review and update allergy and medication plans with parents, confirming dosages and emergency steps.

8. Incident Reporting Process

Train your team on consistent incident reporting. A simple, accurate report can make a big difference when working with claims.

9. Communicate With Families

Send a spring safety newsletter to families outlining seasonal expectations and how you’re managing risk.

10. Ask Us If You’re Unsure

If you’re unsure whether your current insurance responds to a specific seasonal risk, contact us — we’re here to help you understand your coverage and options.

Let’s work together to make this spring safe and stress-free for your childcare program!