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Daycare Insurance in Edmonton, Alberta
When you run a daycare in Edmonton Alberta, you’re not merely conducting a business; you’re serving an essential responsibility. Every day, parents trust you with their child’s safety and development. In return for that trust, you provide them a safety promise against potential risk situations like slips and falls, property damage, employee injuries, compliance with licensing, and even abrupt closures of the daycare.
But, without appropriate protections, any of these represents a potential threat to your daycare. At A-Kan Insurance, we develop customized daycare insurance products for licensed childcare providers, preschools, and after-school programs throughout Alberta.
Daycare Coverage Options
At A-Kan, we partner with leading insurers in Edmonton, Alberta to create comprehensive packages for daycare providers that could include:
Commercial General Liability
Covers claims involving bodily injury or property damage from parents, visitors, suppliers, etc.
Professional Liability
Covers against claims for negligence while providing childcare or supervision.
Abuse Liability Coverage
A necessary protection against allegations of abuse or misconduct.
Commercial Property Insurance
Covers your building, furniture, and play equipment against loss from unintentional damage.
Business Interruption Insurance
Provides compensation for lost income if your daycare is interrupted.
Employee Liability & Compensation
Protects employees from injury during the course of their employment.
The Importance of Daycare Insurance
Daycares face a unique set of hazards not covered by standard commercial insurance policies. For example;
- A child suffers an injury during playtime, and parents submit a claim.
- An employee injures himself after slipping in the kitchen and requires medical leave of absence.
- Fire damages your facility and forces the daycare to temporarily close
- Accusations of negligence or abuse (even unfounded) will require expensive legal defense.
Any of the circumstances above, or others unique to your daycare, can financially threaten operations and result in loss of your reputation, which could be devastating.
Factors Affecting Daycare Insurance Premium
Many factors will affect the premiums for daycare insurance in Edmonton, Alberta, these can include
Number of children enrolled
Staff to child ratio
Protocols for safety
Claims history and experience
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FAQs
About Daycare Insurance
Yes, licensed daycare businesses are generally required to have liability insurance as a condition of licensing.
Definitely. Most home insurance policies will not cover childcare businesses. Specialized daycare insurance is mandatory.
General liability and abuse liability, protection against the claims that pose the most risk, are considered critical.
Yes, most companies offer daycare coverage as bundled with commercial auto coverage for the transportation of children.
