Insurance

Insurance coverage is essential to starting and running a child care program. Check with your own insurance agent to be sure your center has ample coverage. Below are some types of insurance you may need to obtain.

• Liability Insurance -- to cover negligence that may occur on your premises, and vehicle negligence for both center-owned and non-center-owned vehicles; could include coverage for discrimination suits
• Bonding -- covers any employees who may be dealing with money, and protects the center from theft
• Fire Insurance -- for the building, equipment, and supplies you own
• Accident Insurance -- blanket accident insurance for all the children at the center, or optional coverage for each child