Does My Childcare Program Need Insurance?

Childcare programs are exposed to a variety of possible risks by the work they do, and many of these risks can be quite serious. A single incident could potentially result in a devastating tragedy and expensive lawsuit, and this type of liability risk doesn’t even take into account perils that could destroy property. While fully insulating childcare programs from all potential risks may not be practical, daycare insurance gives programs in Massachusetts a way to protect themselves from many of the risks that they face.

Daycare insurance is a specialized type of commercial insurance that’s specifically designed for childcare programs. Most policies are underwritten as package policies that come with multiple coverages, and programs can often customize the coverages in their particular policy so that the coverages suit their situation.

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What Massachusetts Programs is Child Care Insurance Right For?

The vast majority of childcare programs located in Massachusetts should consider getting child care insurance, for programs are rarely without risk and this is generally the best way to insure against the risks that these businesses face. Some examples of particular businesses that may benefit from having a policy in place are:

  • Traditional childcare and daycare programs
  • At-home childcare businesses
  • Public, private and religious nursery schools
  • Early childhood education programs
  • Businesses with short-term childcare offerings for customers
  • Businesses with childcare offerings for employees

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How Can Massachusetts Childcare Programs Get Daycare Insurance?

For help finding daycare insurance that will protect your Massachusetts childcare program well, contact the independent insurance agents at Haberman Insurance Group. Our agents have helped many programs in the state get a policy that meets their needs, and we have the expertise necessary to get your program a policy with the right coverage to protect you and your childcare families.

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