What liability limits should child care providers select?
Many child care providers would be well served to choose substantial limits for their liability coverages. Any lawsuit can become expensive if it’s heavily contested, and the costs only increase if the suit is over serious harm that a child has suffered.
An insurance agent who specializes in child care insurance will be aware of what some commonly chosen child care liability insurance limits are. They’ll be able to help a child care provider select a limit that affords them robust protection.
Do child care centers need to have workers compensation coverage?
Massachusetts law generally mandates that employers must have workers compensation insurance for their employees. The coverage broadly protects against various workplace injuries and illnesses that employees could suffer.
While businesses without employees might forgo workers compensation, few day care centers have no one employed by them. Even the smallest home daycares usually have at least one person who’s an employee. For this reason, child care businesses normally do need to purchase workers compensation coverage.
Workers compensation might be procured as part of a child care insurance policy, or as a separate workers comp insurance policy.
Do child care providers need insurance if parents sign waivers?
Waivers might give a business limited legal protections, but any protections afforded by a waiver aren’t the same as what insurance provides. Child care centers normally should have insurance regardless of whether they have waivers that parents sign.
Do daycare policies cover field trips?
Whether daycare policies extend coverages to off-site events, such as field trips, depends on the terms of a policy. Some may cover field trips, while others may not.
A knowledgeable insurance agent will be able to review a daycare policy to see whether the policy in question has off-site coverage for field trips.