For education and daycare facilities that work with children, being insured is not optional. Our education and daycare insurance packages can protect those children under your care, their parents, your staff and your organization.
Common Coverages Included in Education and Daycare Insurance Packages
Our education and daycare insurance packages are customized to meet each of our clients’ specific risk-management needs. Basic education and daycare insurance coverages generally include:
Commercial General Liability Insurance – CGL insurance can cover liability for injuries, medical expenses and property damage costs if a child or third party is injured at your daycare or educational facility or if you are liable for property damage.
CGL insurance can also cover your daycare and educational service for lawyer’s fees, defence costs, settlements and judgements for lawsuits alleging personal injuries, property damage, false advertising and libel or slander.
Commercial general liability insurance for education and daycare facilities also often includes additional Abuse Liability coverage, which can cover legal expenses, awards, and settlements for suits alleging liability or negligence in sexual, physical, and emotional abuse cases.
Whether you own or lease the location used for your educational/daycare institution or operate from your home, covering the structures and/or the contents inside them such as computers, desks, office furniture & equipment, toys, jungle gyms, swing sets, etc., in case of perils such as fires, floods, windstorms, sewage backup, vandalism and others can help you avoid a financial disaster.
This means some level of Property Insurance. Depending on the size of your operations, you may also need to include extensions for Business Interruption coverage that can cover your expenses if a peril forces your daycare centre or educational facility to close for repairs and/or Extra Expense Insurance that can cover the costs of setting up a temporary location if you suffer an insured peril.
Similarly, Boiler & Machinery / Equipment Breakdown Insurance can cover losses due to perils not covered in a Property insurance policy such as power outages and electrical arcing that affect heating systems, electrical panels, compressors and other machinery and equipment.
In our experience, education and daycare institutions can benefit from Employment Practices Liability (EPL) Insurance if a current or former staff member alleges that they were wrongfully terminated, harassed, or otherwise the victim of employment-based wrongful acts.
Finally, if your daycare or school owns vehicles, you will need Commercial Auto Insurance / Commercial Vehicle Insurance for vehicles used for business purposes.
- Daycare Centre Insurance Coverage
- Preschool Insurance Coverage
- Montessori School Insurance
- Frank Cowan Insurance Products Overview
- Help Autism In Mind Children’s Charity Get An ALIGNED Donation
ALIGNED yourself with Education and Daycare Insurance brokered by commercial insurance specialists.
Insuring businesses is all we do. We work with Canada’s top insurance companies to get the reliable protection your education and daycare centre needs at rates you can afford.
It’s time to get insurance value and choice aligned. Want Canadian business insurance that aligns with your bottom line? We can help. 365. Call us toll-free at 1-866-287-0448 or click to Get a Quote!
We’re ALIGNED across Canada. The ALIGNED Insurance National Operations Centre in Cambridge, Ontario supports our Toronto, Calgary and Vancouver offices. Our industry peers consistently recognize us as one of Canada’s best insurance teams. 100% Canadian-owned, we are super proud to be one of the fastest-growing insurance brokerages in the country.
We deliver e-news you can use. Get practical business insurance insights in your inbox every month. 19,000+ people subscribe to our free ALIGNMENT Matters e-news. Just click the JOIN OUR DISTRIBUTION LIST button – at the bottom of our homepage – to get connected.
365 | Get ALIGNED. Every day, Canadian business leaders read our insurance insights. Find us on LinkedIn, Twitter, Facebook, Instagram and YouTube.