Your Home, Your Business

In-Home Day Care Insurance Coverage

Running an in-home day care has many advantages, flexibility, comfort and control over your business. Unfortunately things such as property damage, child related injuries, and car accidents may happen at your home during your hours of operation. Standard home insurance policies will not protect you when you run a childcare business out of your home making it essential for you to obtain the appropriate liability insurance policies.

When running a child care business, it is always best to invest in a specialized insurance policy to meet your needs. Britton Gallagher’s child care insurance and risk management experts understand the unique liability needs of those who care for children out of their home. Our risk management services are tailored to help you better control your liability exposures which could threaten your business and your reputation.

With our years of experience, we can provide access to carriers who specialize in providing insurance solutions to those operating in the child care industry. Britton Gallagher will ensure you receive a customized risk management program and insurance coverage that protects you, your property, and your staff from any potential risks.

Coverage Available:

  • Liability
  • Accidental Medical Coverage
  • Child Sexual Abuse Liability
  • Bodily Injury and Property Damage resulting from your childcare operations.
  • Allegations of Sexual Abuse involving children in your care up to a maximum of $100,000 per occurrence or $300,000 in aggregate.
  • Accidents without regard to fault or liability, to children in your care, both on and off the premises.
  • Medical payment coverage ($1000/$5000/$10,000) is automatically provided and is excess over any collectible insurance.

To Be Eligible For Coverage:

In home child care requires you to care for 1-18 children in your home. You must operate with the legal guidelines of your state. If a license is required by your state, you must have a license.

For you to purchase this coverage, you cannot allow children in your care to utilize on-premises swimming facilities, though wading pools are acceptable. The pool must be fenced in on all four sides. While you can have a dog, the policy excludes coverage on breeds such as Rottweilers, Pit Bulls, Dobermans, Bull Mastiffs or mixed breed dogs where the dominant breed is one of the just mentioned four, based upon physical characteristics. All other breeds can be covered but you must have a method for keeping them separated from the children.

Contact Britton Gallagher at (800) 607-4711 for more information on our risk management and insurance options for in-home child care facilities.