MamasHealth.com Home Insurance Information Child Care Insurance COBRA Dealing with an HMO Dr. Dealing with your HMO Dental Insurance Disability Insurance EPO Insurance Family & Medical Leave Health Insurance Help with Denied claims HIPPA HMO Plans HMO Terms Explained Hospital Indemnity How Much Insurance HRA Insurance Terms Life insurance for kids Life insurance from your job Long Term Care Medicaid Medicare Medigap MSA POS Plans PPO Plans Save money on insurance Term vs. Whole Universal Life Workers' Comp Links Email Mama Financial help during medical crisis Adoption insurance Car Insurance Save on Car Insurance Financial Assistance for women's healthcare 2005 Insurance Coverage 2006 Insurance Coverage Sign up for the MamasHealth Newsletter	Child Care Insurance What is Child Care Insurance? Child care insurance is insurance that is designed to protect the needs and finances of a child care agency. Child care insurance is required by most States in the U.S. Most day care centers and nursery schools must have child care liability insurance to become licensed by the Department of Health and Human Services (DHHS). Child care insurance requirements in States vary. Some States require child care centers and/or family child care homes to have some form of insurance. Some States either require providers to carry insurance or to notify parents if they do not carry insurance. To find the specific insurance requirements in a State, contact the State child care licensing agency. What will Child Care Insurance cover? Coverage depends on the type of child care insurance you buy. Most child care insurance policies offer general liability coverage that protects you if someone claims you caused their injury, and pays to vigorously defend you if you are sued. Some types of child care insurance will provide a crises response team and cover rape and sexual abuse. What to look for when choosing Child Care Insurance Does the company providing the child care insurance have a dedicated crisis response team, which can be called in at a moment's notice to help your child care center through serious or crisis situations? Does the program provide hard-to-find liability coverage, like sexual abuse and child care providers/teachers professional, that are essential to fully protect your center? Does the company providing the child care insurance provide risk-management advice to make your center safer? Does the company's claims team have experience handling highly emotional claims involving children? Is the company rated "A" or better by independent insurance analyst A.M. Best?  When Will My Child Care Coverage End? When your policy expires. When you fail to pay your premiums.	Featured Book
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