LIABILITY INSURANCE FOR FAMILY CHILD CARE PROVIDERS
Many providers purchase liability insurance. You may want to check with your current homeownersor renters insurance carrier to determine if your business can be covered under a currently existing plan. Many Homeowner plans can add a child care rider or endorsement to cover your business if you care for six or fewer children.
If you care for more than six children, you may want to purchase a commercial liability policy. The following companies serve family child care providers in Oregon, and will send a brochure or information upon request:
American Federation of Daycare Services (Thomco) 800-476-4940
DC Insurance Services 800-624-0912
Morgan and Associates 877-799-8990
NAEYC (National Association for the Education of Young Children) 800-424-2460
Michael V. Wells Insurance 800-875-7714
Investment Resources, Todd Goodrich or Michelle Shippy 541-479-2529
You may want to consider coverage that provides protection for the following:
Bodily injury and property damage resulting from child care operations
Allegations of sexual abuse involving children in your care
Medical payments for accident coverage for children in your care both in and away from your home
Personal injury including libel, slander, wrongful conviction and alienation of affection of any child in your care
Acts of helpers or assistants
Transporting children in a private vehicle
Questions to ask when purchasing liability insurance
Does it cover the children while on field trips? Is there a limit on the number of field trips allowed?
If a parent volunteer uses their own personal vehicle to transport several of our children on a field trip, can I be held liable if the parent has an accident? If so, does my coverage protect me?
Does my liability insurance have a deductible?
Does my liability insurance cover Punitive Damages?
Is Child Abuse or Molestation Coverage excluded? If it is not covered, would the insurance company defend me from a false accusation?
Does the insurance cover professional liability?
What is the premium based on?
If I have a claim, whom do I contact? Who handles the claim?