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Home Insurance for Daycares

Running a daycare is a big job! There’s no denying that trying to keep tiny humans happy and engaged is a big task all on its own.

The truth is, there’s a lot to think about above and beyond happy toddlers when it comes to running your daycare. This includes home insurance and whether or not it will be effective should you run a daycare in your home.

Never fear! We’re here to give you everything you need to know so you can get back to doing what you do best. 

Home Insurance and Home Daycares 

Now the big question here is if your home insurance will cover your daycare, which at the end of the day is a business. The quick answer to this question is probably not.

While some insurance companies will give you the option to add on to your existing home insurance policy to cover the needs of your daycare, it’s usually not included right in your regular home insurance policy. Some insurance companies will also require you to purchase an entirely separate policy just for your business.

Why Get Insurance for a Daycare?

If you run a daycare out of your home accidents are bound to happen. Especially with children!

This means you’re at a high risk for liability if an accident is to occur. It could be anything from a trip and fall to slipping on an icy sidewalk. Once these types of accidents happen on your property you become responsible for any of the damage or injury caused.

That’s why it’s always best to have the proper insurance policy in place and make sure you have the coverage you need should the unexpected happen!

Daycare Insurance Eligibility

It’s possible you may need a licence before you can legally take care of other people’s children in your home. Be sure to look at the laws within your area and see what’s required of you.

Once you have established if you do or don’t need a license, an insurance provider will be able to help you get set up.

Ready to find the perfect commercial insurance solution for your business? Contact us today!

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