Childcare

Childcare Insurance

As the owner or operator of a childcare business, parents entrust you with what’s most important to them, their children. But where do you turn to protect your valuable business?

Just like every child has a unique personality, every childcare business is different, with distinct needs. West Bend understands that. We’ll work with you to ensure you have comprehensive insurance coverage that protects every aspect of your business. We’ll carefully evaluate your business to find the insurance coverage that best fits YOUR needs.

A West Bend insurance policy delivers peace of mind, allowing you to focus on the well-being and development of the children in your care. If something were to happen, you can have confidence that your claim will be handled by our professional and experienced representatives.

Our premier program is designed and specialized for licensed, certified, or registered:

In-home daycare centers (family type)

Group and commercial childcare centers

24-hour childcare operations – night-time operations

Drop-in childcare centers

Latchkey operations

Before-and-after-school programs

Contact one of our independent insurance agencies to learn more or to get a childcare insurance quote.

Other Business Insurance Types:

PROPERTY INSURANCE

Property insurance for businesses protects property such as buildings, office equipment, stock, copyrights, and loss of use of property due to a loss.

GENERAL LIABILITY INSURANCE

General liability (casualty) insurance protects your legal responsibility for losses for which your company is responsible including slip and fall or product injuries.

BUSINESS AUTO INSURANCE

Business auto insurance provides coverage for a land motor vehicle such as a car, truck, or trailer.

EPLI (EMPLOYMENT PRACTICES LIABILITY INSURANCE)

EPLI insurance protects against claims resulting from wrongful termination, discrimination, sexual harassment, wrongful discipline, and failure to employ or promote.

CRIME COVERAGE

Crime coverage protects a business from losses caused by theft, robbery, or burglary of real property and monies and securities.

BUSINESS UMBRELLA

Business umbrella coverage is designed to protect a business by increasing the primary limits of liability coverage to coverage over automobiles, general liability, and employer’s liability.

SURETY BONDS

Surety bonds provide monetary compensation to a third party if there's a failure to perform specific acts by the insured party within a stated period of time.

E&O INSURANCE

E&O (Errors and Omissions) insurance protects against loss due to a claim of a negligent act, error, or omission by the insured party.

WORKERS' COMPENSATION INSURANCE

Workers' compensation insurance is employer-purchased coverage to pay for medical expenses, lost wages, and/or death benefits for employees who suffer a work-related injury or illness.

CYBER SUITE COVERAGE

Cyber Suite coverage is a comprehensive cyber insurance solution designed to help businesses respond to a range of cyber incidents, including breaches of personally identifying or personally sensitive information, threats of unauthorized intrusion into or interference with computers systems, damages to data and systems from computer attacks, and cyber-related litigation.

EQUIPMENT BREAKDOWN COVERAGE

Equipment breakdown coverage helps protect against the costs associated with losses to your building’s equipment. It pays for the cost to repair or replace equipment damaged by breakdown, expenses related to limiting the loss or to the steps you take to more quickly restore your business, and in conjunction with your business income coverage, losses due to a covered accident. It also includes a variety of coverages designed to address today’s modern equipment risks like microelectronics, cloud computing service interruption, service interruption data restoration, and public relations.

Childcare Dangers

This guide has information on some of the most common sources of injuries and childcare insurance claims originating in in-home and larger childcare centers. In addition to detailed information and prevention tips, the Childcare Safety Guide includes a printable checklist that parents and providers can use to make a child’s environment as safe as possible.