If you really love children, or you’re a mother who wants to stay at home with your child but can’t afford to stop working, opening a home-based daycare is a natural step to consider. Running a daycare means you get to spend time with your own child and be part of helping other children grow. If you’re about to open your own daycare you’re probably thinking more about the joys of working with children than about anything else. To make sure you have all the tools you need to succeed, you also need to be sure to understand why in-home daycare insurance is valuable.
Why In-Home Daycare Insurance Matters
Daycare insurance is as necessary to your success as durable play equipment and first aid certification. Small children can be incredibly destructive, like one story we heard of a child who smashed a plasma TV screen at a home daycare in Texas, which is just one reason why in-home daycare insurance is so important.
You want to be covered by home daycare liability insurance for many reasons, the primary one being in case any of the children in your care gets hurt. From falling over in the playroom to eating berries in your garden, small children are endlessly inventive at finding creative ways to get hurt. Fights over toys can break out in a millisecond. No matter how careful you are, you know that it’s close to impossible to stop small children from getting hurt sometimes.
People are always quick to sue if they’re not happy with a service, and that’s a far more true for parents. It’s not always because their child gets hurt – parents can be up in arms because they think you’re favoring your own child or that it’s your fault that their child isn’t developing as fast as they should be. Professional liability insurance protects you from litigious parents too.
One particularly relevant issue today is the risk of an accusation of child sexual or physical abuse from one of your employees or someone who is present at your daycare. Insurance coverage for abuse allegations is usually included in your professional daycare liability insurance, but if it’s not you can buy it separately.
Of course, no matter how much you prepare there’ll always be the unexpected. Three daycare centers in Florida discovered this in 1989 when the Walt Disney Corporation threatened to sue them for three life-size Disney murals that were painted on the walls. You can never predict why in-home daycare insurance will matter to you, but you certainly will want to have it when you need it.
As much as you try to prevent it, accidents do happen and the fact that you run a daycare doesn’t make you the exception.
Here are some scenarios you can imagine where in-home daycare liability insurance would protect you:
- A child slips and falls on the stairs and breaks her wrist
- One child scratches another one across the face, damaging his eye
- A baby chokes on a small piece of food while your back is turned
- A toddler climbs onto your couch and pulls a picture off the wall, smashing the glass and cutting her hand
- A boy falls off the jungle gym, bumping his head hard enough to get concussion
- A child paints on your wall
The Joys of Operating a Daycare
Although we just explained why in-home daycare insurance is so important, running your own in-home daycare is very rewarding. Any daycare provider can tell sweet stories of children’s warm hugs and silly stories that made them laugh till tears ran down their faces. When you work with children every day, you become a part of their lives, and their families. You’ll feel the joy of every first word and step much as you would for your own child.
Running an in-home daycare can also be a great way to make new friends in your community. If you’re running a small in-home daycare center in part to enable you to care for your own child, you’ll get to meet other parents with children of similar ages.
Daycare insurance that will cover you in case of general or professional liability, and in cases of accidents or improper conduct allegations, gives you the confidence to run your daycare without worrying about lawsuits. Enjoy your time with the small children who are sure to enjoy their time in your home, being lovingly cared for.