In Home Child Care Insurance Programs

607-843-8860 or insurance@drickardinsurance.com

Why buy home childcare liability insurance?

What Does In-Home Childcare Liability Insurance Cover?

What are the eligability requirements for most In-Home childcare liability policies?

Why Buy In-Home Childcare Liability Insurance from DRickard Insurance?

Other Childcare Situations

Why buy home childcare liability insurance?

Of course you are a caring provider of care for children and you want what is best for them. You also recognize the fact that accidents happen. And, in the world we live in you may be wrongly accused of something. Seeing as how Homeowners Insurance, Renters Insurance, Landlord Insurance, and most other insurance policies specifically exclude childcare liability as a covered cause of loss, you need to buy this insurance if you have a home childcare business. To learn more, feel free to contact us 607-843-8860 or insurance@drickardinsurance.com.

More details why you should get home childcare insurance include:

Cost of Medical Expenses - It seems unlikely that you have set aside $5,000-$10,000 to cover medical expenses if a child is hurt while in your care. Many times a specialty childcare insurance policy will include a clause to reimburse qualifying medical expenses, up to the specific limit in the policy. Thereby some persons look at have this coverage as simply doing the right thing for children in your care.

Peace of Mind - Insurance provides two major functions providing protection for your assets while providing some insulation from the effects of lawsuits and giving you peace of mind, letting you sleep at night, knowing that you have done what you can to protect yourself, your family, your assets and the children in your care.

Affordability - Depending on what options you chose you may be surprised at how affordable this valuable insurance protection costs. In some cases we have see premiums as low as the $300s per year. No matter what plan you chose, the premiums you pay will be very small indeed if you suffer a loss. Contact us at 607-843-8860 or insurance@drickardinsurance.com.

Variety - With many coverage options available and policies that are scalable you can find an insurance product that best fits your needs.

Legal Defense - You may have done nothing wrong, yet your are still sued. Most policies supply legal defense, according to the stipulations of the individual policy, when you are sued by a third party.

Abuse, Child Abuse or Sexual Abuse Claims - This is a scary fact of the world we live in. Some policies provide some coverage for allegations. In some cases you may include in your policy coverage for monetary judgments if the allegations are found true. Of course you must refer to your policy for more specific details on this issue.

Homeowners Insurance Doesn't Cover This - Worse than not covering the liability exposures of your in-home daycare, many insurance companies will cancel your policy if you have a child care business at your home property. Nicely we have an insurance choice for coverage for your home when you have a in-home childcare operation, when you also have In-Home Childcare Liability Insurance. As always underwriting and eligibility rules must be met. Find out more by contacting us at 607-843-8860 or insurance@drickardinsurance.com.

What Does In-Home Childcare Liability Insurance Cover?

Insurance companies and policies are not created equal. Some times you may be able to add an endorsement or disclose the In-Home Childcare business on your home insurance and pick up some coverage extention of the basicc coverage afforded in you homeowners insurance. However in most cases this is not enough or specific enough coverage to adiquatly protect most operations. Ussually, when you have a daycare business in your home you can expect your homeowner policy to exclude all operations related to you business and also you may find your homeowners insurance policy cancelled due to childcare service in your home. For more information contact us at 607-843-8860 or insurance@drickardinsurance.com.

What you want in your in-home childcare insurance include but are not limited to:

Cost of Medical Expenses if there is an accident - It seems unlikely that you have set aside $5,000-$10,000 to cover medical expenses if a child is hurt while in your care. Many times a specialty childcare insurance policy will include a clause to reimburse qualifying medical expenses, up to the specific limit in the policy. This coverage may be provide for accidents that happen on or off your premises for the children while in your care, regardless of fault. See you policy for all of the rules for this coverage.

Personal Injury Protection - You may be sued for such things as libel, slander, wrongful eviction, wrongful entry, and even alienation of affection of any day care child. So, you need Personal Injury Protection? Contact us at 607-843-8860 or insurance@drickardinsurance.com.

Bodily Injury and Property Damage Liability Coverage - You may have done nothing wrong, yet your are still sued. Most policies supply legal defense, according to the stipulations of the individual policy, when you are sued by a third party.

Abuse, Child Abuse or Sexual Abuse Claims - This is a scary fact of the world we live in. Some policies provide some coverage for allegations. In some cases you may include in your policy coverage for monetary judgments if the allegations are found true. Of course you must refer to your policy for more specific details on this issue. As always underwriting and eligibility rules must be met. Find out more by contacting us at 607-843-8860 or insurance@drickardinsurance.com.

NOTE: Special Liability Policies do not offer coverage for the thousands of dollars that you have invested in stuff for your business. Why not contact us so we can find insurance to protect you from a property damage loss. As always underwriting and eligibility rules must be met. Find out more by contacting us at 607-843-8860 or insurance@drickardinsurance.com.

All prices, programs, features, underwriting, offers, representations and companies shown in this site are subject to change without notice. We may add or discontinue a company or program or an insurer may change underwriting criteria or product line availability without notice to us. With the insurance industry constantly changing we may not be able to keep the site up with the latest information. For the up to date info please contact us. All insurance applications are always subject to current underwriting rules, acceptance of the insurer and adequate premium paid.