Child Care Facilities Insurance

Running a child care facility comes with unique responsibilities and risks. At Afore Insurance, we understand that caring for children is both a privilege and a significant liability. Your business needs specialized protection that addresses the specific challenges of the child care industry.

For over 20 years, Afore Insurance has been the trusted partner for child care providers across the country. We’ve developed insurance solutions that go beyond standard business coverage to address the nuanced needs of daycare centers, preschools, after-school programs, and in-home child care services.

Our comprehensive child care insurance packages provide the financial security and peace of mind you need to focus on what you do best: nurturing the growth and development of the children in your care.

Essential Coverage Options for Child Care Facilities

General Liability Insurance

General liability is the foundation of any child care business insurance package. This coverage protects your facility against claims involving bodily injury, property damage, and personal injury that can occur during normal business operations. If a child sustains an injury on your premises or a parent slips and falls during pickup, general liability coverage from Afore Insurance helps cover medical costs, legal fees, and potential settlements.

Professional Liability Insurance

Also known as errors and omissions insurance, professional liability coverage is essential for child care providers. This protection addresses claims alleging negligence, failure to provide adequate care, or improper supervision that results in injury or harm. Afore Insurance’s professional liability coverage is specifically tailored to defend against the unique claims that can arise in a child care setting.

Property Insurance

Your facility, equipment, and supplies represent a significant investment. Afore Insurance’s property coverage protects your physical assets against damage from fire, theft, vandalism, and certain natural disasters. From playground equipment to educational materials, furniture, and technology, we ensure your business can recover quickly if property damage occurs.

Workers’ Compensation Insurance

Child care staff may face injuries from lifting children, slipping on wet surfaces, or even exposure to illness. Workers’ compensation insurance from Afore Insurance covers medical treatment, rehabilitation costs, and lost wages for employees injured on the job. In most states, this coverage is legally required for businesses with employees.

Specialized Coverage for Child Care Providers

Abuse and Molestation Liability

This sensitive but critical coverage protects your business if allegations of physical, emotional, or sexual abuse occur. Afore Insurance provides defense costs and potential settlements, while also offering risk management resources to help implement proper screening, supervision, and reporting protocols that can prevent incidents before they happen.

Communicable Disease Coverage

When children gather, illnesses can spread quickly. Afore Insurance offers communicable disease coverage that helps protect your business if your facility must temporarily close due to an outbreak or if you face claims related to disease transmission. This coverage has become increasingly important in recent years and demonstrates your commitment to health and safety.

Transportation Liability

If your child care service includes transportation for field trips or pick-up/drop-off services, Afore Insurance can extend coverage to protect against the specific risks associated with transporting children. This includes accident protection, vehicle damage, and liability for injuries that might occur during transit.

Food Contamination Insurance

Many child care facilities provide meals and snacks. Food contamination insurance covers losses if contaminated food causes illness, including cleanup costs, replacement of food inventory, and lost income during necessary closures. Afore Insurance ensures you’re protected from these unexpected disruptions.

Risk Management for Child Care Businesses

Insurance is just one component of a comprehensive risk management strategy. Afore Insurance partners with child care providers to implement preventative measures that reduce liability exposure. Our risk management program includes:

Staff Training Resources

Afore Insurance provides access to specialized training modules covering child safety, emergency response, proper supervision techniques, and identification of potential abuse. Well-trained staff members are your first line of defense against incidents and claims.

Facility Safety Assessments

Our insurance experts can help identify potential hazards in your facility before they cause harm. From playground equipment inspection to building security evaluation, these assessments provide actionable recommendations to create a safer environment.

Regulatory Compliance Guidance

Child care facilities must navigate complex state and federal regulations. Afore Insurance offers resources to help you maintain compliance with licensing requirements, staff-to-child ratios, facility standards, and other regulatory obligations that affect your insurability and overall risk profile.

Why Choose Afore Insurance for Your Child Care Business

Industry Expertise

Our underwriters and agents specialize in child care facility insurance and understand the unique challenges you face. This expertise allows us to create customized coverage packages that address your specific risks without unnecessary add-ons that increase premiums without adding value.

Responsive Claims Handling

When incidents occur, quick response is essential. Afore Insurance’s dedicated claims team understands the sensitive nature of child care-related claims and works to resolve issues promptly while minimizing disruption to your business operations and reputation.

Competitive Pricing

We recognize that child care facilities often operate on tight margins. Afore Insurance works to provide comprehensive coverage at competitive rates, with flexible payment options that accommodate your business’s cash flow needs. Our goal is to deliver maximum protection without creating financial strain.

Growth Partnership

As your child care business evolves, so do your insurance needs. Afore Insurance serves as a long-term partner, regularly reviewing your coverage to ensure it keeps pace with changes in your facility, staff size, services offered, and the regulatory environment. We grow with you, providing continuity of protection through all stages of your business development.

Protect Your Child Care Business Today

Don’t leave your child care facility vulnerable to the unique risks of the industry. Contact Afore Insurance today for a comprehensive review of your current coverage and a customized insurance proposal designed specifically for your child care business.

Our child care insurance specialists will work closely with you to understand your operation and develop protection that gives you confidence to focus on providing exceptional care.