Day Care Insurance: Protect Your Child with Best Daycare Liability Insurance in Houston

If you own a child care center in TX, your business is not complete until you purchase suitable daycare insurance in Texas to protect you from liability and property loss if you ever face a lawsuit or claim that daycare centers encounter many legal liabilities for the operation of their business. Commercial Daycare insurance is a particular type of commercial business insurance to meet the needs of childcare businesses operation, and it provides daycare liability insurance coverage as well as business property coverage. We at Houston National Ins of America offer childcare insurance in Houston that is perfect for daycares of all sizes and budgets!

Daycare Insurance Liability Coverage

Daycare insurance also referred to as childcare insurance, is a specialized type of business owner’s policy that addresses the specific insurance needs of those in the business of caring for small children. Here are some liability coverages that our daycare Insurance in Houston provides to business owners in situations that may arise where daycare business face a liability lawsuit:

1. General liability: This liability coverage protects you if your daycare center is responsible for property damage or injuries to third parties. This coverage is very important when dealing with children, as they can get injured easily. Most of the time, the injuries will be minor, but your center may be held responsible for the medical expenses of the injured person if an injury is severe.

2. Abuse and Molestation: This coverage protects your business if your employees turn to be sexually abusive or held responsible for molestation. Your business will be held responsible for extensive fines. In such claims, your business will charge extensive fines, and this policy covers defense costs for such claims to protect you from financial losses.

3. Professional liability: Professional liability claim occurs if your staff members have shown negligence to the children’s safety and cause mental, emotional, and physical abuse to the children. This coverage protects your workers and your business from being sued.

4. Hired and non-owned auto liability: If your employees used hired and non-owned vehicles to pick and drop children and met with an accident, your business could be held liable for injuries or property damage.

5. Umbrella liability: When your insurance claims exceed the limits of underlying liability policies, then Umbrella liability provides additional coverages to increase total liability limits.

Property Damage Coverage

Daycare centers often invest a lot of money into equipment, furniture, and supplies to keep the children entertained. Only a daycare insurance policy can provide you with coverage if your business property is lost or damaged in an accident. Our Property damage coverage includes:

Best Day Care Insurance Provider in Texas

We at Houston National Ins of America are the best daycare insurance provider in Texas. Our child care insurance policies protect your property and the children in your caret. We have connections with leading childcare insurance companies in Houston, and we help you to grow your business and help it to run smoothly. Purchasing small business insurance is a relatively economical way to protect your daycare from a financial loss! Please put your trust in Houston National Ins of America and contact our expert insurance agent to get a quick, free insurance quote!