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SOESD / School Improvement Services / Child Care Resource Network / Provider Resources & Career Information / Liability Insurance for Providers

Liability Insurance for Providers

LIABILITY INSURANCE FOR FAMILY CHILD CARE PROVIDERS
 
Many providers purchase liability insurance.  You may want to check with your current homeowners or 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?
 


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