insurance for child day care centers

Child Day Care Insurance

Westwood will work with you to ensure your child day care center has adequate coverage for every threat you could face.

Get a Quick Quote on Liability Insurance

why do child day care centers need insurance?

Despite their commitment to fostering a safe and nurturing setting, child day care centers face several challenges that necessitate the need for malpractice or liability insurance. Here’s where they are particularly vulnerable to being sued for malpractice:

  1. Injuries and Accidents: Despite stringent safety measures, children can still experience falls, cuts, or other accidents. Centers can be held liable if it’s determined that negligence in supervision or failure to maintain a safe environment contributed to the injury.

  2. Neglect or Abuse: Allegations of neglect or physical, emotional, or sexual abuse by staff members can lead to significant legal and reputational damage. Such allegations, whether true or unfounded, necessitate a robust legal defense.

  3. Health and Safety Violations: Failing to comply with state and local regulations on health and safety standards, including staff-to-child ratios, facility cleanliness, and food safety, can result in legal action against the center.

  4. Improper Administration of Medication: Mistakes in administering medication to children, such as incorrect dosages or administering medication without proper authorization, can have serious health implications and lead to lawsuits.

  5. Failure to Recognize or Act on Medical Conditions: Staff must be trained to recognize signs of illness or distress in children. Failure to act appropriately, whether by administering first aid or seeking emergency medical attention, can result in worsening conditions and potential liability.

  6. Food Allergies and Dietary Issues: With food allergies becoming increasingly common, improper handling of dietary restrictions or allergens can lead to allergic reactions, potentially causing severe health issues and opening the center to lawsuits.

  7. Transportation Accidents: If the day care center provides transportation, any accidents involving the transport vehicle can lead to claims for any injuries sustained by children while in their care.

  8. Breach of Contract: Parents enter agreements with day care centers expecting certain levels of care and services. Failure to meet these agreed-upon expectations can lead to claims of breach of contract.

  9. Emotional Distress: Situations that cause significant emotional distress to children, whether through bullying, inappropriate disciplinary measures, or other negative experiences, can lead to claims against the center.

Malpractice or liability insurance provides financial protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. For child day care centers, this insurance is crucial for mitigating the financial risks associated with caring for children.

what types of insurance do child day care centers need?

General Liability Insurance

General Liability Insurance

General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your facility or organization could be legally responsible for.

Professional Liability Insurance

Professional Liability Insurance

Also known as malpractice insurance, this  protects your facility against claims related to malpractice, negligence, or injury resulting from care. Staff members will typically be covered by professional liability insurance.

Sexual Abuse and Molestation Insurance

Sexual Abuse and Molestation Insurance

Provides coverage for your child day care centers against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the senior living industry.

Commercial Property Insurance

Commercial Property Insurance

This protects your facility against damage or loss to your buildings, equipment, and other property, which can happen as the result of various risks such as fire, theft, or vandalism.

Workers Compensation Insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law, to protect child day care centers and their employees in case of work-related injuries or illnesses.

Cyber Liability Insurance

Cyber Liability Insurance

Covers your organization against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online systems as part of this policy package.

Contact Michael Richards now

Michael Richards, President of Westwood Insurance Group

Michael specializes in insurance for child day care centers. You can call him or one of the team on the number below or fill out the form and he will get your message directly:

we've got you covered

General Liability Insurance

Protecting healthcare organizations against increasingly crippling litigation.

Professional Liability Insurance

Protecting medical professionals against increasingly crippling litigation.

Medical Malpractice Insurance

Protecting medical professionals against increasingly crippling litigation.

Cyber Liability Insurance

Protecting healthcare organizations & professionals against cyber attacks.

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    alternative structures

    Westwood President, Michael Richards has extensive experience in setting up alternative structures for larger clients. Here are some examples:


    If you think your client could be large and stable enough to benefit from starting or participating in a captive or has a special need for another alternative structure, contact Michael Richards now by phone: 855 351 7487.