Forum Force of Nature Disinfectant

Go Back Forum > Daycare Insurance > WA State Home Day Care Insurance-Looking at Other Policies and What They Offer

Daycare Insurance Discuss your insurance and liability concerns here.

Thread: WA State Home Day Care Insurance-Looking at Other Policies and What They Offer Reply to Thread
Your Username: Click here to log in
Random Question
Post Icons
You may choose an icon for your message from the following list:

Additional Options
Miscellaneous Options

Topic Review (Newest First)
10-13-2016 10:36 AM
Daycare Insurance Unfortunately we do not write business in Washington, but I can give you some information. What you really need in order to protect yourself and your business is professional liability insurance as opposed to general liability. A general liability policy will usually exclude professional services rendered, and caring for children falls under professional services. So when looking, make sure you're looking for professional liability.
Your policy should cover child abuse, negligent supervision, and accident medical for the children in case they are injured in your care. Please note that having a signed waiver from the parents stating that you don't have insurance does NOT protect you in the event of a lawsuit. A parent can still sue you and all legal fees and settlement costs would come out of your pocket. The relatively minimal cost of carrying insurance is definitely worth it. If you pm me your email address, I can email you a list of questions to ask when shopping for professional liability insurance. Hope this helps.
10-12-2016 05:36 PM
Jaba6111 My commercial general liability limit 1,000,000. deductible less than ten grand is a starting point for me.

Who might have a policy like this in WA state? I need to use a local insurance provider, even though we don't have to have home daycare insurance as long as we have written it in our parent hand book and have the parents sign and date understanding we don't have it. I'm looking into comparing the pros and cons stage... I will get some eventually, but I want the right one. I'm going to care for more kids at some point. Thanks for any leads and info...

Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

All times are GMT -7. The time now is 09:31 AM.         Find A Daycare         List Your Daycare         Toys & Products                 About Us
Please read our Disclaimer before continuing.

Topics pertain mainly to the following States:

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming