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Why Insurance for Daycares Isn't Optional—It's Essential
Running a daycare means you're entrusted with the most precious part of a parent's world—their child. That’s a huge responsibility, and it comes with unique risks. From slips and falls to property damage, accidents happen despite our best efforts. That’s where Commercial Daycare Insurance steps in. we specialize in helping daycare owners protect their businesses, their staff, and the children they care for.
What's at Stake Without Proper Coverage?
Imagine a child gets injured on your playground. Even if it’s something as simple as a sprained wrist, the legal and medical costs could be overwhelming. Worse yet, without the right coverage, your business could be at risk of closing its doors. That’s why having a tailored daycare insurance policy is not just a smart choice it’s a lifeline.
Core Coverages Every Daycare Should Have
Covers bodily injury and property damage claims from third parties. This is the foundation of your daycare protection plan.
Also known as Errors & Omissions Insurance, this covers legal fees from claims of negligence or mistakes in care.
Protects the building, equipment, toys, and furnishings against fire, theft, and other covered losses.
This critical protection addresses one of the most severe and sensitive risks in childcare services.
Required in most states, this protects your employees if they’re injured while working with children or on your property.
If a fire or covered disaster shuts down your daycare, this coverage helps cover lost income and operating expenses.
Real Numbers: The Cost of Going Uninsured
A recent industry study showed that the average claim against a daycare center due to injury costs over $30,000. Add in legal defense and settlements, and you're looking at a potential six-figure hit to your finances.
| Risk | Average Claim Cost | Coverage Type |
|---|---|---|
| Child Injury (Slip/Fall) | $30,000+ | General Liability |
| Property Fire or Flood | $50,000–$200,000 | Commercial Property |
| Alleged Abuse Claims | $100,000–$500,000 | Abuse & Molestation |
| Employee Injury | $20,000–$80,000 | Workers’ Compensation |
How TWFG ~ Burridge Family Insurance Can Help You
Every daycare is different. Some are run from home. Others are large facilities with dozens of staff. That’s why TWFG ~ Burridge Family Insurance takes a personalized approach to daycare insurance. We take the time to understand your operations, walk you through the coverage options, and build a policy that fits your needs and your budget.
We’re not here to just sell you a policy. We’re here to protect your passion—helping children grow, learn, and thrive. It’s more than insurance. It’s peace of mind.
Signs It’s Time to Review Your Policy
- You’ve expanded your daycare to a new location
- You’ve added staff or increased capacity
- You’ve recently purchased new equipment or vehicles
- You’re unsure whether abuse coverage is included
If any of these apply to you, let’s chat. It doesn’t cost a thing to get a second opinion on your current insurance plan.
Parents Trust You—Make Sure You’re Covered
Parents choose you because they trust you. And they’re counting on you to create a safe, nurturing environment. With commercial daycare insurance from TWFG ~ Burridge Family Insurance, you’re telling families, “I take that responsibility seriously.”
Let’s talk. We’ll help you navigate the ins and outs of coverage, explain what you really need (and what you don’t), and make sure you're prepared for the unexpected.
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Questions? Give us a call at 972-926-5355. We’re always here to help.
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