We take insurance coverage to overcome the risks in our different operational areas of our lives, but the question is why we require day care insurance in daily care business or care of our child? Simply risks are everywhere. Whether your kids are in small or large day care centers or at home, children are most vulnerable to risks because of accidents. There are some of the insurance policies that pertain to the particular child care that you can choose that’s most appropriate for you.
Any child care center or a nursery School should have liability insurance to avail license from Department of Health and Human Services (DHHS). Though anybody who is providing a child care in her or her residential premises does not require to have liability insurance for license licensed. Though DHHS has not made it mandatory for liability insurance, but a family child care provider should have a business liability insurance to prevent cancellation or non-renewal of the homeowner’s policy.
DHHS focuses on a family day care provider as one who receives a kind of payment for delivering day care in his/her premises. Such businesses need to have separate liability insurance for risk coverage to any of the child care activities.
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However, there can be certain implications in it. You cannot be sure that an insurer will be ready to give you day care liability at your convenient price. Insurers are not much enthusiastic to provide you daycare insurance, and some of the insurers will ensure that you have both your home and day care insurance policies. The most crucial thing is to have a knowhow of the insurer’s requirements, and after a premium rate is fixed.
In any case or a situation number of children you have in the center determine the amount of premium you need to pay. Major criteria have been the dollar amount of coverage or “limit” in which you are willing to buy an insurance policy. DHS feels it necessitated to have a minimum limit for a licensed child care facility. Raising your insurance limit about your requisite need will not add to the premium as the added amount might go towards loss side. Further, it is highly suggested for you to talk with different insurance providers before you go for deciding the amount of coverage required by you and what other family child care providers are opting.