What is daycare insurance?
Providing childcare services presents risks that are commensurate with the responsibility of watching kids. The consequences of an injury or worse could be devastating for everyone involved. Daycare insurance won’t prevent anything from happening, but it can provide Massachusetts businesses with financial protection if they experience a covered incident.
Daycare insurance provides specialized commercial insurance for child care businesses. These policies usually have multiple coverages, which allows the policies to protect against many risks.
What Massachusetts businesses need child care insurance?
Most Massachusetts organizations that offer child care services should have child care insurance. This includes individuals, businesses and nonprofits. Some specific examples of businesses that might need this type of insurance are:
- Large child care facilities
- Small child care facilities
- At-home child care providers
- Public early childhood programs
Businesses in other industries occasionally offer child care services. Ski resorts may have day programs for kids, colleges may have daycares, and grocery stores may have short-term child care for customers. Day care insurance might also be needed in situations like these.
Businesses that aren’t sure whether they need child care insurance should speak with an insurance agent who knows these policies well. A specialized agent will be able to check whether a specific situation necessitates one of these policies.