Beth has always been careful with her Amarillo daycare center. She started small years ago, with just five kids in her living room. Over the years, she turned it into a trusted childcare center that parents loved and kids felt safe in. A quintessential Texas success story if there ever was one.
When it was time to renew her daycare insurance policy, Beth wanted to save money. The effects of inflation and the rise in insurance costs over the years were taking their toll on her bottom line. Her cousin’s friend had just gotten her license to be an insurance agent and promised to find her a good deal on her insurance premiums. It sounded like an easy way to help family and get cheaper coverage at the same time.
Six months later, a parent became upset that their child was left asleep in a classroom while the rest of the children were on the playground. The mother was furious that her child could be left to nap and secured a lawyer to make sure she was heard. Beth filed a claim, confident she was covered.
That is when she learned her insurance policy was missing a key liability coverage that should have been there from day one called professional liability insurance. Her friend did not know how to build proper daycare insurance coverage. What looked cheap at first ended up costing Beth thousands of dollars in defense costs she did not plan for. It also cost her trust with parents who once praised her for her safe center.
She wishes she had known what you are about to read.
Most insurance agents can sell car or home policies all day long. They are straight forward. And most people have at least heard of general liability insurance for businesses. But daycare insurance coverage is a different world. There are property risks and liability insurance issues that only happen when you are trusted to care for children. Playground injuries. Allegations of abuse. Food service rules. Strict staff checks.
Unfortunately, Beth’s cousin’s friend did not know to ask about any of these details. She pulled a general liability policy from a company that does not specialize in Texas daycares. She skipped specialty protections like abuse and molestation insurance. She did not check property insurance limits for playground equipment or double check how accidents on field trips should be covered.
This is exactly how a simple, compassionate moment turned into a huge out of pocket problem. And we see this all the time. A seasoned daycare insurance agent would have known the right questions to ask Beth. They would have explained why every extra detail matters when children and parents are involved.
Beth learned the hard way that having a lesser daycare insurance policy can be worse than having no policy at all.
Beth thought all insurance companies were about the same. If you pay the premium, you get help when something goes wrong. But she was beginning to understand this just isn't the care when it comes to daycare center insurance.
Not every insurance company wants to insure daycares. Some insurance providers avoid them because of high cost liability claims. Some have insurance policy limitations that make it easy to deny help. Others simply charge more because they do not trust how a daycare works.
Beth’s rookie agent sent her file to random companies that did not like childcare risks. Not only did she not secure the professional liability, it turned out that she had extra exclusions hidden in the fine print as well. When her claim hit, the company reviewed her entire liability insurance policy with her and pointed out all the coverage limits so that she could better understand her gaps in coverage.
A daycare insurance specialist would never waste time on the wrong companies. They know which underwriters like daycare centers and which ones only offer lesser terms for property and liability policy limits. They also know how to match your story to the company that fits best. That means lower insurance costs, better coverage, and less worry over time.
Good independent insurance agents do more than check boxes and fill in forms. They are your voice to the people behind the scenes who decide what you pay and what protection your commercial daycare center gets.
Beth’s agent barely asked her about her staff training, building safety upgrades, or her clean inspection record. She just filled in the basics and fired it off not thinking about what happened next.
Underwriters did not see the real Beth or what set her child care center apart from others. They saw an average business with no special steps to prevent claims and did not offer liability coverage that is typically asked for by great agents.
As a result, they charged her more for a weak policy because they did not trust what they did not know. This left her daycare center exposed to unneeded risk.
A true daycare agent learns about your business and can tell your story. They gather proof of your safety track record. They ask about hiring rules and classroom procedures. Then they share that full story with the right insurance company. This makes you look strong, not risky. It helps you get better terms and protection.
Beth wishes she had known that telling her story well could save her money and protect her reputation at the same time.
After Beth learned her costly lesson, she decided to work with a specialist who knows Texas daycares inside and out. Now she has a plan that makes sense for her daycare center. She has the right limits, the right protections, and the right companies backing her up.
This is why True Texas Education Insurance exists. It is not just about selling a piece of paper. It is about building real protection for the places parents trust most. It is about helping owners like Beth sleep better at night because they know one bad day will not ruin everything they built. That is the Promise of Certainty.
Daycares run on tight budgets and even tighter trust with families. Do not risk that trust just to save a few dollars on the wrong policy.
If you want real help and real peace of mind, talk to a Texas agent who knows exactly what your daycare needs. True Texas Education Insurance is only available through Insurance For Texans. It might be the smartest move you make all year.
Click the button below to protect your daycare business today.