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Day Care Insurance

Day care Insurance in Prescott for Mosaic InsuranceAre you aware of the current day care insurance requirements in Prescott?  Mosaic Insurance provide Liability and Accident Medical Insurance for licensed, registered or certified individuals that run an in-home child care or family day care.

First you need to obtain a proper license for your in-home day care or day care facility. Then you need to maintain the following minimum insurance requirements:

  • General facility liability insurance.
  • Motor vehicle insurance coverage.
  • A licensee shall maintain documentation of the insurance coverage required in facility premises.
  • A licensee shall provide a copy of documentation of insurance to the Department before issuance of a license and at any time that the licensee’s insurance coverage expires, is canceled, or changes.
  • The General Liability requirements are a $1,000,000 liability limit per occurrence with a $2,000,000 aggregate. They also want $50,000 of Damage to Rented Premises.
  • The Abuse and Molestation requirements are $500,000 and the certificate also must state that “Sexual Abuse/Molestation is included”.
  • The State of Arizona is to be named as an additional insured.

Here is an overview of the different types of liability:

  • General liability: This provides coverage for property damage or personal injuries suffered by third-parties while they are in your place of business.
  • Premises liability: This covers the area surrounding your day care facility including the parking lot and play areas.
  • Professional liability: Your teachers and childcare workers are covered under this liability.
  • Non-owned or for hire auto liability: If you or any of your workers are driving children in privately owned vehicles, your business can be held liable for injuries or property damage if the driver is in an accident.
  • Corporal punishment liability: If one of your employees strikes a child or is accused of administering corporal punishment, your business can be held liable. 
  • Abuse and molestation liability: If an employee of your day care turns out to be sexually or otherwise abusive, your business can be liable for extremely expensive fines and medical payments.
  • Umbrella liability protection: This coverage provides additional liability protection beyond the limits of your insurance policy's liability limits. Larger day care facilities may benefit from this added coverage.

Not all homeowner insurance policies specifically exclude coverage for any business operation so it is imperative to find insurance protection for your child care business under a separate policy. Call Mosaic Insurance today to ensure your have the correct coverage for your day care business at  928-458-7374


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