Lisa, a committed daycare owner in North Austin, found herself overwhelmed by the confusing language in her insurance policy renewal. Unsure whether her center was adequately protected, she realized how difficult it is for Texas daycare owners to understand and secure proper insurance coverage. Like many, she needed guidance in finding the right plan that protects not just the building, but also her staff, the children, and the future of her business.
Securing essential coverage for your Texas daycare is important. The right coverage shields your daycare center from risks like fire, theft, accidents, and lawsuits. A daycare center is more than just a business, it is a vital spaces for families. Without comprehensive coverage, your daycare center could be exposed to serious financial and legal risks.
Lisa sought out the help of the daycare insurance experts at Insurance for Texans. Through our True Texas Education Insurance program, we offered her a customized plan that covered property, personal items, liability, and even her daycare's vehicles.
As Lisa soon discovered, smaller daycare facilities (with building values under $2 million) in Texas can still access quality, affordable property coverage. This is even amid challenges in the state like hailstorms. In addition, Lisa learned the difference between a 3% and 5% hail deductible. She found out that the differences between the two could mean greater out-of-pocket costs for a hail claim.
In addition to structural protection, Lisa's agent also explained how daycare insurance should include personal property coverage for equipment, furniture, and technology. During that conversation, she also learned that specialized policies can offer better protection for high-value items. Lastly, liability coverage—such as general, professional, abuse, and cyber liability—is also critical to have in today’s environment.
The key to getting the right protection is working with an experienced, independent insurance agent who understands the unique needs of daycares. At Insurance for Texans, we can help navigate options and avoid costly gaps in coverage.
If you want to be like Lisa and receive expert advice for all of your daycare's insurance needs, click the link below to get started today.
