If you have a local daycare, you know a wonderful daycare is a great place to positively impact the lives of children. At the same time, your daycare is a business. Therefore, you have to protect it with daycare insurance, such as a general liability policy. If you have to file a claim, you need to know what to expect. What are some of the most common reasons why someone may file a daycare insurance claim? Learn more about a few common examples below.
The Building Suffered Severe Storm Damage
Regardless of where you live, you know the weather can change just about anytime. Even though hurricanes are typically found around certain parts of the country, many still suffer severe storms regularly. Particularly if you have an older building, your daycare may suffer storm damage. If you have to replace the roof, this can be an expensive fix. Fortunately, your daycare insurance policy should protect you. If you have to make repairs to your building following a severe storm, you may want to file a claim against your daycare insurance policy. That way, your insurance company will pay for the cost of the repair.
Their Commercial Vehicles Were Involved in an Accident
Do you have vans that you use to take your children on field trips? If so, you want to make sure your drivers know how to protect the safety of your children. On the other hand, an accident can happen at any time. If your commercial vehicle is involved in an accident, you may have to repair it. These repairs can be expensive, particularly if you have older vehicles. Fortunately, your daycare insurance policy can protect you here as well. If you need to repair one of your vehicles, reach out to your daycare insurance provider. This may be covered.
A Child or Employee Was Injured at the Daycare
When you run a daycare, safety always has to come first. Unfortunately, injuries can happen in the workplace. If your employee is hurt, or if you have a child who suffers a serious injury, your daycare could be on the hook for that medical bill. Depending on the type of injury, this could be expensive. This is another area where you may be able to file a daycare insurance claim. If your daycare insurance policy covers injuries that happened in the building, you may be able to get the medical bills covered. Read your policy and see if daycare injuries are covered by the plan.
Protect Your Daycare with the Right Insurance Plan
Ultimately, there are countless reasons why someone may need to file a daycare insurance claim. If you need to file a claim against your daycare insurance plan, you need to know what to do. First, you have to make sure you know what is covered. That way, you know you have protected yourself adequately. If you are looking for an insurance policy for your daycare, make sure you work with professionals like us to find the right protection.
