You have an amazing and demanding job. In addition to managing a business you are responsible for providing care, training and development for the most precious of lives, little children. The parents who entrust their children with you have very high expectations in the care and development of their child. Even though you have even higher expectations of your self, your staff and the children in your charge accidents do occur. A child trips and falls while playing with a playmate and splits her lip. A hug and a band aid may make the crying stop but what if the parent sees it as negligence and sues you and/or your child care business?

Negligence means that a person who has a legal duty to act with reasonable care, failed to perform that duty. If you or your staff are found to be negligent, you may be required to pay medical expenses and often even more. Accidents can happen where you have no control over the incident, lawsuits can occur and this means not only stress and time but costly legal expenses.

If you don't have a lot of cash an expense like this could lead to serious financial problems. Your child care center may even be forced out of business due to inadequate protection. That is why it is so important that you don't wait until an accident happens to find out if you have the right coverage.

Commercial Child Care Insurance

As a commercial child care provider you provide an essential service to parents and your community. At Ted Hamm Insurance Agency we believe that your business deserves the right protection.

We will walk you through the main coverages you need to have:

  • Workers Compensation: This protects you if your employees are hurt on the job.
  • Liability Insurance: This protects you, your home and your business in case you are sued.
  • Business Property Insurance: This includes the commercial building if you have ownership or are contractually required to provide insurance coverage; your business personal property which includes your equipment, office tools and supplies, fixtures, toys, educational equipment and supplies and more.
  • Commercial Auto Insurance: Your autos will be completely insured for any transporting done on behalf of child care in the home

We will also be glad to review with you important additional liability coverages available for your commercial child care business. These will all be tailored to your unique, care giving business, many of which are included in our special package policies such as:

  • General Liability: In the example where the child split their lip, if you are found negligent, this insurance will pay the judgment up to the liability limit. This coverage is mandatory in many states.
  • Professional Liability: In the event a parent should feel you were negligent or erred in providing adequate care or education for their child.
  • Sexual Abuse & Molestation Liability: Should an accusation be made against your organization or an employee while employed by the organization for improper touching, gestures, etc., you can rest assured that you have protection. Abuse Liability can also result from occurrences between one child and another. A lawsuit was recently filed against a childcare because one child inappropriately touched another child. We’ll protect you against that risk as well.
  • Personal Injury: This provides protection from libel, slander and invasion of privacy lawsuits. A childcare can easily be pulled into the middle of a separation or divorce disagreement when a parent who has no custody of a child attempts to pick up the child, resulting in the need to call for help, which sometimes can be misinterpreted and result in a lawsuit.
  • Product Liability: What if a child chokes on food or burns their mouth on food served at the childcare? This will protect you from any claims resulting from the food.
  • Directors & Officers Liability: This protection is often more sought after by nonprofit childcare facilities, however, for-profit daycare centers can also suffer a Directors & Officers claim. This protects your directors and officers when they are working in their official capacity for your organization. If you don't have directors and officers you may not need this coverage.
  • Excess Liability: For a low cost, you can extend the limits of your protection beyond the minimum levels required in the standard liability policy. The higher limits of liability are available at a very low cost and can provide extra liability protection should a suit exceed your existing liability limits

In-Home Child Care Insurance

As an in-home child care provider you provide an essential service to parents and your community. At Ted Hamm Insurance Agency we believe that your business deserves the right protection. Your personal homeowners insurance is not equipped to protect you.

That’s why we want to make sure you do not suffer from very common insurance traps that may have already left you unprotected against several potential dangers! It is vital to make sure you have the right protection today, so please consider these facts carefully:

  1. Your Home Insurance will not cover any negligence claim related to your in-home child care business
  2. Your Homeowners Coverage does not cover your business personal property, business property or your business income.
  3. Your personal auto insurance may not protect you if an accident occurs while transporting a child.
  4. If an employee is hurt while working on the job, you will have to pay their medical claims.
  5. Your Home Insurance will not cover you if a child slips and falls and breaks an arm, etc.
  6. Your Homeowners Insurance will not cover you if you or an employee are accused of sexual molestation.

If any loss occurs while you are not properly insured, you could lose everything. That means your home, your assets everything!

In-home child care is a business. And like any other business, it needs to be insured that way. Because of the intricacies of mingling risks related to your home, the business and providing quality environment for children you need the proper insurance coverage.

We will walk you through the main coverages you need to have:

  • Workers Compensation: This protects you if your employees are hurt on the job.
  • Business Liability: This protects you, your home and your business in case you are sued.
  • Business Property: Once you turn your home into a business your home and its contents are business property. Most homeowner policies have limited business property insurance if any coverage at all.
  • Commercial Auto: Your autos will be completely insured for any transporting done on behalf of child care in the home

We will also be glad to inform you about any additional protections available for In-Home Child Care. These will all be tailored to your unique, care giving business. You will never be pressured to buy insurance from Ted Hamm Insurance Agency. We don't believe it is ethical and we want you to understand what you are buying and why. Just like you teach your children the "Golden Rule - Treat Others as You Would Like to Be Treated" we live and work by it.

Value Added Benefits At No additional Cost

At some point your insurance package will not be competitive. All insurance companies go through cycles of competitiveness. Because our agency is independent, because we work for you and not the insurance company we will move you to another carrier that is competitive because it is the right thing to do.

Complete the form above and we will compare coverage to your existing insurance or design an insurance package that meets your protection needs and your budget. No pressure, just friendly and compassionate advice and a no obligation review of your insurance and quotes with other markets. You have nothing to lose and only opportunity for better coverage at a lower price! Don't wait, act now!