Key Insurance Insights for Daycare Owners

 

 

Running a childcare business in Texas has become increasingly challenging due to a volatile insurance market, with many providers receiving sudden non-renewal or cancellation notices. These disruptions stem from mounting losses faced by insurers.

Robert is a daycare owner in Fort Worth, who was blindsided by a non-renewal notice. This was despite a clean claims history. When he was faced with this issue, he struggled to find help because he had bought his policy online.

With only two weeks before expiration, Robert needed daycare insurance fast. He turned to the daycare insurance experts at Insurance for Texans for guidance on securing new coverage. Our agents guided Robert through the various policies involved in fully protecting his daycare center. 

 

✅ Daycare Insurance Coverage Checklist

1. 1. General Liability Insurance

      Covers third-party injuries or property damage (e.g., a child falling on the premises).

   2. Professional Liability Insurance

      Protects against claims of negligence, errors, or failure to supervise (e.g., playground incidents).

   3. Abuse and Molestation Insurance

      Defends your business against allegations of abuse, even if the claims are unfounded.

   4. Commercial Property Insurance

      Covers your building, equipment, furniture, and outdoor features like playgrounds from fire, theft, or storm damage.

   5. Workers' Compensation Insurance (Optional in Texas, but highly recommended)

      Provides medical care and wage replacement for employees injured on the job (e.g., lifting children, slipping on wet floors).

   6. Business Interruption Insurance

      Covers lost income if your daycare has to temporarily close due to a covered event (like fire or storm damage).

   7. Commercial Auto Insurance (If applicable)

      Covers vehicles owned by the daycare used for transporting children or supplies.

   8. Umbrella Liability Insurance (Optional)

      Provides extra coverage beyond your standard liability policies in case of major lawsuits.

As a daycare owner, you deserve an insurance expert in your corner. Someone you can call with questions and who will guide you through the process of insuring your daycare center properly. At Insurance for Texans, we offer our True Texas Education insurance program to provide expertise to Texas daycare owners.

Click the link below or call 469.789.0220 to get started today.