Commercial liability coverage for an adult day care center is hard to place. This is due to the administration’s accountability in regard to the delicate state of the elderly placed in their trust. Although the older adult in a day care situation may not be confined to a bed, there may be a situation at any given moment that causes injury that can render him or her into a long-term nursing home environment.

RELATED: Nursing Home risks and related insurance

Insurance policies and accompanying premiums for the adult day care are dependent on the associated activities and services, the credentials and experience of the employees, and the amount of supervision provided.

Abuse and molestation insurance is a recommended coverage for the adult day care center.

Insurance for the Child Day Care Center

It is difficult to place liability insurance for a child day care center, nursery or kindergarten or any private preschool. This is due to the involved accountability for caring for young children.

Insurance companies consider the following when insuring a child day care:

• Children’s age
  
  
• Activities
  
  
• Credentials and experience of staff members
  
  
• Level of supervision provided along with level of observation over staff members
  
  
• Ratio in regard to teachers and children
  
  

Insurance policies for a child day care center generally exclude abuse and molestation coverage. It can be purchased for sub-limits to cover defense and claims in regard to negligent supervision.

For more information about insurance for adult and day care centers, contact an experienced and qualified independent agency.

PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!

Summary: Insurance for both adult and child day care centers are difficult to place. This article gives you a short rundown on coverage options for the industry.