" \n Key Takeaways \n \n \n \n Coverage limits can leave your daycare exposed even if you have insurance. Many Texas daycare owners assume their ...

Topics: limits of coverage, liability, property, True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n \n Chasing lower premiums can cost more in the long run. Constantly switching daycare insurance to save a few dollars can ...

Topics: liability, property, True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n Storm damage doesn’t just hit buildings. It hits cash flow. Even if your daycare’s property repairs are covered, lost ...

Topics: business interruption, True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n Playgrounds and outdoor equipment may not be covered automatically. Many daycare insurance policies exclude playgrounds, ...

Topics: hail, True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n Cyberattacks can shut down daycare operations instantly. A single ransomware attack or data breach can lock your systems, ...

Topics: cyber insurance, cyber crime, True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n Personal auto insurance doesn’t cover daycare vehicles. If your daycare owns or operates vans, buses, or cars for ...

Topics: auto insurance, commercial auto insurance, True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n Outdoor playgrounds are at high risk during Texas hail season. Playgrounds, fences, and shade canopies can be damaged or ...

Topics: hail, property, True Texas Education Insurance, daycares, playgrounds

" \n Key Takeaways \n \n \n Workers’ compensation isn’t required in Texas, but it’s still essential. Texas law doesn’t mandate workers’ comp for ...

Topics: liability, workers comp, True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n Fully funded health plans provide cost stability for daycare owners. With fixed monthly premiums, daycare owners like ...

Topics: health insurance, group health, employer health insurance, daycares, fully-funded

" \n Key Takeaways \n \n Non-renewals are becoming more common for Texas daycares. Insurance companies are tightening their underwriting guidelines ...

Topics: property, non-renewal, daycares