Coverages

It is recommended for a commercial childcare facility to have commercial general liability insurance. This essential coverage can offer insurance protection to you if you are sued by someone who claims you caused their physical injury or damaged their property.

Professional liability insurance helps cover you and your business if you make a mistake in the professional services given to a customer or client.

Property insurance provides protection against most risks to property (building and/or contents), such as fire, theft, and some weather damage. This can include specialized forms of insurance such as flood, earthquake, or special riders for specific tools or equipment if added.

Accident insurance helps you pay for medical and other out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, medical exams, as well as other expenses described in the policy

Commercial vehicle insurance provides a variety of coverages for cars, trucks, vans, and other vehicles used by your business.
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

Commercial umbrella insurance provides an extra layer of liability protection by covering costs that go beyond your other liability coverage limits. In other words, commercial umbrella insurance complements your other liability coverages by taking over when your other liability coverage limits have been reached.

Under Arizona law, it is mandatory for employers to secure workers’ compensation insurance for their employees. Workers’ compensation is a “no-fault” system in which an injured employee is entitled to receive benefits for an industrial injury, no matter who caused the job-related accident.