Protecting the Next Generation and Those Who Care for Them
When parents search for a care center for their children, they are more likely to choose one that offers childcare insurance. The reason is simple: they don’t want to suddenly find that they have pay medical bills for an injury that happened while someone else was responsible for their child. Parents and guardians want peace of mind that their child will be fully protected.
Although some states, like California, do not require family childcare providers carry childcare liability insurance, having a policy offers the protection that make daycares successful. At JPL Insurance Services, our agents can help you understand your insurance options to make sure you choose a policy that appropriately matches your business’s childcare liability risks.
Better Protection for Your Childcare Business
California gives daycare centers and other childcare service providers three liability options. They can:
- Buy insurance that covers up to $300,000 in expenses
- Buy a bond worth $300,000
- Get parents to sign affidavits releasing the business from responsibility
Childcare Insurance Benefits You, Too
Having daycare insurance could attract more clients to your business. It could also provide more compensation for each child you watch. This helps cover the expense of purchasing childcare insurance. At the end of the day, purchasing a childcare insurance plan pays for itself well into the future.
Solely choosing to use affidavits instead of insurance could lead to legal problems for your business. Parents might hire lawyers who argue that no agreement can protect childcare providers from negligent behavior. If they can convince a judge that your business acted irresponsibly, then you could face heavy court fees in addition to paying medical bills. Having a childcare insurance policy protects you from the headache and extra expenses of legal disputes in the worst-case scenario.
It just makes more sense to protect your business with insurance that will help you save money, worry less, and earn a better reputation.
Contact JPL Insurance Services in California today at 800-500-2963 to learn more about policy options for daycares, nannies, and other childcare service providers.