Things to know about childcare liability insurance



Child care providers should always get child care liability insurance. Why so? This is to protect these providers from possible liabilities associated with property damage and injuries to children who are in their care. Child care providers that may apply for such kind of insurance include child care centers, day care centers, private schools, preschools, nursery schools, summer camps, and even social service agencies.



Liability insurance in general, is described as insurance that pays for loss and damages that arise out of the insured's accountability, due to negligence, or other situations imposed by laws or stipulated in the insurance policy. In layman's term, this means that an insured person or party will be responsible for a loss because he or she has been negligent in his or her duty. If the policy covers such loss or damages, the insurance company will pay the victim or complainant. There are several types of liability insurance and some of them may not be covered on all child care liability policies. These types of liability insurance include general liability, personal injury liability, professional liability, abuse or molestation liability, defense coverage, contractual liability, off premised liability, and alienation of affection.

General liability will cover damages to property and bodily injuries. Some insurance policies may include diseases, mental distress and emotional anguish on their definition of bodily injuries. Personal injury liability offers defense coverage in case a person will attack your reputation. Meanwhile, professional liability will cover damages and defense in case a lawsuit will be filed against a person for professional services he or she has rendered.

Abuse or molestation liability covers any lawsuit that will be filed against a person for claims of molestation or abuse, whether physical, sexual or mental abuse. Defense coverage will pay for a person's legal defenses in case a lawsuit is filed. Contractual liability will cover any written agreements while off premised or field trip liability covers liabilities arising in case wherein you are away from your premise. Alienation of affection liability will protect you in case a lawsuit is filed against you for stealing the affection of a child from his or parents or legal guardians. Child care liability insurance provides coverage up to certain limits for property damages and bodily injuries to children in their care to the extent that they are legally liable. Some liability policies may also cover medical payments.