Daycare Insurance

McGhee Insurance offers insurance for daycare providers that protect them from the costs of damages and legal fees.

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Protect The Future With Childcare Insurance

Running a daycare is different from running a traditional business. Families trust you and your staff to care for their children and foster their development. They also need peace of mind knowing their kids are protected while at your facility. Having the right daycare liability insurance assures parents that their little ones are covered from unexpected events while under your care. Also, it safeguards your staff from the financial costs of an accident while working.

McGhee Insurance understands the importance of maximizing coverage and offers comprehensive daycare insurance options that help childcare facilities protect what matters most. Our agents leverage over 20 years of experience to build the best policy for your needs.

Who Needs Daycare Insurance?

Daycare insurance is required for companies that provide care for children. The following business must have a policy:

  • Kindergartens
  • Nursery schools
  • At-home daycare
  • License daycare centers
  • After-school programs

What Does Daycare Insurance Cover?

A childcare insurance policy covers students, teachers, and administration from various events, including:

  • Accidents that occur while participating in daycare activities that are supervised by the school.
  • Incidents that happen while traveling with a group for school activities.
  • Accidents while traveling in a vehicle owned and operated by an appointed licensed driver.

Protect Your Staff and Students With Our Daycare Liability Insurance Policies

Accidents are unpredictable when working with children. Having the right insurance policy maximizes protection and provides peace of mind. Contact McGhee Insurance today to learn more about our plans.

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Our Insurance for Daycare Providers

Protecting children is a top priority for daycare businesses. McGhee Insurance helps find the best coverage for clients with the following options:

General Liability

Accidents and other unexpected events can happen at any time, especially with children involved. Having the right insurance policy protects your daycare from the costs of lawsuits, repairs, and medical expenses. McGhee Insurance works with clients to find the best general liability insurance policy that safeguards them from various claims, including:

  • Bodily injuries
  • Property damage
  • Personal injury

Commercial Property Insurance

The costs of running a daycare are high, and many operate on very thin margins. Physical damage caused by natural disasters or accidents can have a major impact if you’re not properly covered. McGhee Insurance offers commercial property insurance options that safeguard your building from damage and minimizes interruptions to your daily operations. Our agents work with you to create a customized policy that covers the following:

  • Your facility
  • Your equipment, including laptops, computers, phones, and furniture
  • Your vital documents and files, including accounting records and customer data
  • Fence and landscaping equipment
  • Your company’s signs and satellite dishes

Professional Liability

Lawsuits stemming from accusations of negligence or lack of supervision can have a major impact on the future of your daycare facility. McGhee Insurance offers professional liability insurance policies that provide coverage of legal costs if you’re sued for a mistake or errors and omissions. Our team has over 20 years of experience and works closely with you to find the best plan for your business.

Workers’ Compensation

From lifting and moving heavy objects to participating in group activities, daycare staff members are consistently active throughout the day. McGhee Insurance offers workers’ compensation insurance options that help defer medical costs and cover lost wages following a work-related injury. This helps provide peace of mind for employees that their financial needs are covered and allows business owners to reallocate the fiduciary risk of an illness to their provider.

Commercial Auto

Does your daycare facility have company-owned vehicles that transport kids to and from home and to field trip activities? These cars must be properly covered to protect against the fallout from an accident. Our team works with you to find the best commercial auto insurance policy with the following options:

  • Liability coverage: Covers repair costs and legal fees from any claims made against your company
  • Collision coverage: Pays for damages to your vehicles no matter who is at fault
  • Medical coverage: Covers the medical bills for your staff and passengers due to an automobile accident
  • Uninsured/underinsured motorist: Covers the medical expenses, income loss, and other damages following an accident caused by an uninsured or underinsured motorist

Cyber Insurance

From the banking information of parents to the medical data of the kids, your daycare facility stores very sensitive data. Experiencing a cyberattack exposes all of that to a hacker and impacts your childcare facility’s ability to operate. McGhee Insurance offers cyber liability insurance policies that cover legal fees following a breach and help with the following tasks:

  • Alerting your clients that your daycare experienced an attack
  • Restoring the private data of customers
  • Recovering the compromised information
  • Replacing the damaged computer systems

Get the Best Daycare Insurance With Our Partnership Network

Running a daycare is a full-time job and leaves little time to find the right quote and policy for your needs. However, it’s important to find a plan that maximizes coverage because gaps can increase your liability and force you to pay more out of pocket when an incident occurs.

As a leading independent commercial insurance provider for Arkansas, McGhee Insurance takes pride in working closely with clients to find the best policy for their business and budget. Our team leverages our knowledge, experience, and partnership network to build a comprehensive plan. Some of the vendors we have relationships with include:

  • Travelers
  • Berkshire Hathaway
  • Markel
  • Cincinnati Insurance Companies
  • And More

Contact McGhee Insurance today to learn more about how our daycare liability insurance policies provide maximum coverage for childcare businesses.

Let’s Talk About Your Daycare Liability Insurance Policy

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