ACI is a one-stop shop for your Child Care Center Insurance offering the right protection
at the lowest premium, our policies can be customized to included:
In addition you can add coverage to with the convenience of having just one insurance carrier:
$50,000 limits each for:
General liability insurance covers a wide range of daycare accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by state governments.
Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of misplacing forms which list confidential health information about the children in your care, it could help cover related expenses to defend yourself.
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees, and you might need coverage before you can get your daycare license. Choose business owner’s coverage with your policy to protect yourself.
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you tear off a side mirror while backing your work van out of a parking spot.
Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.
According to the Bureau of Labor Statistics (BLS), childcare workers need a high school diploma or the equivalent to work in a daycare center. Childcare workers can receive short-term on-the-job training. Although the job openings for childcare workers are expected to grow slowly between now and 2028, the BLS projects that preschool and childcare center directors will be in higher demand, growing at about 7%. Preschool and daycare center directors need a Bachelor's degree and on-the-job experience in early childhood education. They can also get a national credential, the CDA (Child Development Associate) credential.
Childcare.gov provides information for parents and daycare providers. While child daycare licensing for different sizes and types of daycare businesses vary from state to state, each state meets basic requirements for a daycare license, including:
Most daycare facilities in the majority of states are licensed based upon the following factors:
Childcare.gov provides information about best practices in center and class size by age. State requirements vary, but in general, different age groups require different ratios of teacher and aide to children. The following guidelines cover best practices:
Some centers do not accept children younger than three years because of the special requirements of diapering and feeding very young children. Educational programs like Montessori or private schools may start children when they are potty-trained and can safely drink liquids without choking if they are younger than three.
Basic federal health and safety requirements cover all states. According to Childcare.gov, all adults who are taking care of children at a daycare center need to have training in:
You will be violating the law in the majority of states if you accept payment for taking care of unrelated children in your home on a regular basis without a daycare license.Occasional babysitting isn't considered under most state daycare regulations. In California, programs operating without a daycare license can be fined up to $200 a day.
Each state will have its own requirements for business insurance, and you may find additional requirements for coverage from your city and county. If you've met all of your requirements for licensing in your state, daycare insurance will be available for you. After you've done everything you need to be licensed, daycare marketing ideas can help to build your business. Running a daycare is challenging but incredibly rewarding when you see children learn and grow every day.
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