Child Day Care Center Insurance

Whether you run an in-home daycare or a large learning center, you need dedicated child care insurance. Don’t rely on your homeowner’s policy—it typically won’t cover incidents arising from your childcare operations in Arkansas.

In today’s litigious environment, even a minor incident can trigger a lawsuit. Here are the core policies every daycare should consider:

• General Liability Insurance: Shields you from third-party claims for bodily injury, property damage, and personal injury.
• Property Insurance: Protects your building, playground equipment, toys, and supplies from covered perils.
• Professional Liability Insurance: Covers claims of negligence, errors, or omissions in your childcare services.
• Abuse & Molestation Coverage: Provides defense and settlement costs for allegations of child abuse.
• Commercial Auto Insurance: Covers accidents involving your business vehicles.
• Accident Insurance: Supplements liability limits for medical and legal expenses.
• Umbrella Insurance: Adds an extra layer of liability protection beyond your primary policies.

Daycare insurance can be complex, but you don’t have to navigate it alone. Sargent Insurance Agency is always here to explain your options, compare quotes, and tailor a plan that fits your budget and risk profile.