Supervising children in a daycare setting, and assuming responsibility for their safety and actions also means assuming risk for potential legal liability. If you have employees, transport kids to and from school, field trips, or other activities, then your child care insurance program needs to to protect you from another range of risk.
Pre-School, after school, or child day care is a business, and your service needs the kind of insurance most business need: high limits for general liability, insurance for your building and business property, business interruption insurance, and workers compensation insurance should probably all be part of your insurance program. Depending on your unique child care services, you may also need tailored coverage such as:
The professionals at Insurance Resource of NY Agency can help you assess your needs, and tailor an effective insurance program for your child care businesses in New York.