Reducing Risks at Child Care Centers

liability insurance new york

Dropping a child off in a day-care setting for the first time always leaves parents feeling a mixture of emotions. If you are a parent, you know it well – it’s a combination of feeling sad, scared, worried, proud, and excited all at the same time. If you are opening a day-care center for young children, you’ll want to do everything you can to provide parents with peace of mind while also trying to build a successful business.

The most important steps to child-care center success are creating an environment that will be safe at all times, obtaining the proper licensing, and purchasing liability insurance.

When it comes to Liability Insurance, do your homework! Work with an insurance provider that specializes in day-care centers. Always remember that you can never ask too many questions. Know exactly what the policy covers and for how long. Find out what the policy will not cover and what the underwriting guidelines and payment limits are. Understand the premium and deductibles amounts for the policy, as well as the procedures for filing a claim.

In addition to obtaining the right Liability Insurance, there are some other steps you can take to reduce risks and – in turn – reduce costs.

  • Eliminate any pool hazards
  • Eliminate any pet hazards
  • Fence in the playground area
  • Post rules about sanitation and hand washing
  • Have all staff members go through First Aid training
  • Have parents provide you with a written authorization for emergency medical treatment
  • Establish a child pick-up and drop-off authorization policy
  • Document everything!

Here is our helpful compilation of resource links for additional information about starting a childcare program in New York, New Jersey, or Pennsylvania.



Photo via Alex2004 / Shutterstock

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