Daycare Insurance in Pennsylvania

Also providing daycare insurance to residents in Maryland, North Carolina, New Jersey, and Virginia.

Anthony Acri Insurance

What is daycare insurance?

Daycare insurance, also known as child care insurance, is a specialized form of business insurance designed to protect daycare providers from potential risks and liabilities associated with running a child care center. Whether you operate a small in-home daycare or a larger child care facility in Pennsylvania, having the right insurance coverage ensures that your business is financially protected in case of accidents, property damage, or lawsuits.

What does daycare insurance cover in Pennsylvania?

Daycare insurance typically covers a range of risks and liabilities, including:

1. General Liability: This covers claims of bodily injury or property damage that occur on your premises. For example, if a child gets injured while playing or if a parent slips and falls when picking up their child.
2. Professional Liability: Also known as errors and omissions insurance, this coverage protects your business from claims of negligence or failure to provide the expected level of care.
3. Property Damage: Covers damage to your daycare facility caused by fire, theft, vandalism, or natural disasters.
4. Abuse and Molestation Liability: This important coverage protects your business in the event of accusations of abuse or neglect, which may be financially and emotionally devastating.
5. Business Interruption Insurance: If your daycare is forced to close temporarily due to a covered event, this coverage helps compensate for lost income.
6. Workers’ Compensation: Required in most states, including Pennsylvania, this coverage helps pay for medical expenses and lost wages if an employee is injured on the job.

Is it possible to get temporary insurance coverage for seasonal or part-time daycare services?

Yes, it is possible to get temporary insurance coverage for seasonal or part-time daycare services. Many insurance providers offer flexible policies that may be tailored to the specific needs of your child care business in Pennsylvania. These temporary policies may provide the same protections as full-time daycare insurance, such as general liability, property damage, and professional liability, but for a shorter duration. If you run a summer camp, after-school program, or offer part-time child care, this type of coverage may help you manage your risks while maintaining affordability.

How can daycare providers ensure they have adequate coverage for staff and volunteers?

Daycare providers may ensure they have adequate coverage for staff and volunteers by reviewing their insurance policy carefully and working with an experienced agent who understands the child care industry. In Pennsylvania, all employees are required to be covered under workers’ compensation insurance, but volunteers may not be automatically included. It’s essential to check if your daycare insurance policy extends liability coverage to both staff and volunteers, especially in the case of accidents or negligence claims. Providers may need to add endorsements or purchase separate coverage to ensure everyone working at the facility is protected.

Can child care insurance cover injuries that occur on or off the daycare premises?

Yes, daycare insurance may cover injuries that occur both on and off the daycare premises, depending on the specific terms of your policy. Most child care insurance policies include general liability coverage for accidents that happen on your property. However, if you take children on field trips or other off-site activities, you may need additional coverage or an endorsement to extend liability protection beyond your daycare facility. It’s important for daycare providers in Pennsylvania to clarify these details with their insurer to ensure that all potential risks are addressed.

Can providers purchase additional coverage for activities like swimming or sports?

Yes, daycare providers may purchase additional coverage for activities like swimming or sports. These activities often carry higher risks, and standard daycare insurance policies may not fully cover accidents or injuries related to such activities. By adding special endorsements or activity-specific coverage, you can protect your child care business from claims arising from injuries during high-risk activities like swimming lessons, sports, or other physical activities. This added protection is especially important for daycares in Pennsylvania that offer active outdoor programs or field trips involving water sports or physical games.

How much does daycare insurance cost?

The cost of daycare insurance in Pennsylvania varies depending on several factors, including: 

1. Number of children enrolled: More children generally mean a higher risk of accidents, which may increase your premiums.
2. Location: Urban areas in Pennsylvania may have higher insurance rates due to higher property values and more frequent claims.
3. Coverage limits: The higher the coverage limits you choose, the more expensive the premiums will be.
4. Deductibles: Higher deductibles may lower your premiums but increase your out-of-pocket costs when filing a claim.

How can Pennsylvania daycare providers obtain daycare insurance? 

Reach out to the independent agents at Anthony Acri Insurance Agency for a fast quote on daycare insurance in Pennsylvania. Our experienced team is here to help you find comprehensive coverage tailored to the unique needs of your child care business. Whether you run a small home daycare or a large child care center, we can guide you in securing the right protection for your facility, staff, and the children in your care.