Coverages

At Wilcock Insurance Group, we understand that running a childcare business has unique risks and challenges. From caring for children to managing a facility, your daily responsibilities are immense, and ensuring the safety of your business is critical. With over 30 years of experience providing tailored insurance solutions to childcare providers, we offer comprehensive, customizable insurance plans to protect your business from unforeseen events. Whether you run an in-home daycare or a commercial childcare facility, we have the expertise to ensure you’re adequately covered.

Comprehensive Coverage for Childcare Providers

Childcare providers face many risks, from accidents involving children to property damage and potential liability claims. That’s why Wilcock Insurance Group offers a full suite of insurance products specifically designed to meet the needs of childcare businesses. Here’s an overview of the essential coverage options we provide:

General liability insurance is the foundation of any childcare business’s insurance plan. This coverage protects your business in case of accidents or injuries on your premises. Suppose a child or parent is injured while on your property. In that case, general liability insurance helps cover medical expenses, legal fees, and potential settlements.

This type of insurance also covers property damage that may occur during your operations. For example, suppose you accidentally damage a client’s property during your work. In that case, general liability insurance protects your business from costly claims.
At Wilcock Insurance Group, we understand how critical this coverage is and work with you to ensure your general liability policy fits the specific risks of your childcare business.

Professional liability insurance, also known as errors and omissions (E&O) insurance, protects childcare providers from claims of negligence, mistakes, or failure to deliver promised services. In a childcare setting, this could mean allegations that your staff failed to properly care for a child, leading to injury or harm.

For childcare providers, the risk of a professional liability claim can be high, and such claims can result in significant legal fees and settlements. With professional liability insurance from Wilcock Insurance Group, you can feel secure knowing that your business is protected from the financial consequences of these claims.

Property insurance is essential to protect your business’s physical assets, whether you operate out of your home or a commercial facility. This coverage helps protect your building, furniture, playground equipment, and other property from damage caused by fire, theft, vandalism, or storms.

At Wilcock Insurance Group, we customize property insurance policies to ensure your childcare facility is adequately covered, providing peace of mind that your investment is protected from unexpected losses.

Accidents happen, especially in a childcare environment. Accident medical insurance is designed to cover medical expenses that arise if a child in your care is injured while attending your daycare. This policy helps pay for emergency room visits, surgeries, and other medical costs, regardless of who is at fault for the accident.

Accident medical insurance is an important layer of protection beyond general liability insurance, providing financial support in case of minor or major injuries involving the children under your supervision.

Suppose your childcare business uses vehicles to transport children. In that case, you need commercial vehicle insurance to protect against accidents, property damage, and injury claims that may arise while on the road. This insurance covers the vehicle and the driver, ensuring that your business is protected whether you’re transporting children to school, field trips, or other activities.

There are three basic parts of every commercial vehicle insurance policy:

• Physical damage insurance − includes collision and comprehensive coverage
• Liability insurance − includes bodily injury, property damage, uninsured motorist, and underinsured motorist coverage
• Other coverage − includes medical payments, towing and labor, rental reimbursement, and auto loan or lease gap coverage

Wilcock Insurance Group offers comprehensive commercial vehicle insurance policies that protect in-home providers and larger childcare facilities, ensuring your business is covered for any transportation-related risks.

Sometimes, your general liability or professional liability insurance limits may not be enough to protect your business fully. Umbrella liability insurance provides an additional layer of coverage, extending your liability limits to cover larger claims or lawsuits that exceed the coverage provided by your other policies.

For childcare providers, umbrella liability insurance is a crucial safeguard against catastrophic financial losses. With this policy, you can feel confident that your business is protected from even the most severe claims.

If your childcare business employs staff, you are likely required by law to carry workers’ compensation insurance. This coverage financially supports injured or ill employees due to their work. Workers’ compensation helps cover medical expenses, lost wages, and rehabilitation costs, ensuring that your employees receive the care they need while protecting your business from costly lawsuits.

At Wilcock Insurance Group, we offer comprehensive workers’ compensation insurance policies designed to meet state regulations and protect your employees. Whether you run a small in-home daycare or a large commercial facility, we can help you find the right policy for your business.

Safeguard Your Business With Customized Coverage

At Wilcock Insurance Group, we’re dedicated to protecting your childcare business with tailored insurance solutions that meet your unique needs. Contact us today at (480) 464-2288 to learn more about our comprehensive childcare insurance policies and receive a free quote. Let us help you safeguard your business with affordable, customized coverage that gives you peace of mind.