Insurance Made Simple

For In-Home Daycare Providers

 

Bunker makes it easy and affordable to protect your daycare - and every kid inside. We’ve worked with insurance carriers to build programs that cover the unique risks facing in-home daycares, without mountains of paperwork. Choose from the Good, Better, or Best packages below, or scroll down to learn more about what’s included in each!

In order to get a quote as quickly as possible, please write your LICENSE CAPACITY in the ‘Description of Operations’ section.

 

GOOD

Accident Coverage: Easy, Peace-of-Mind Insurance

BETTER

General liability, Professional Liability, and Abuse / Molestation

BEST

Add coverages like Umbrella, Auto, and Workers’ Compensation to protect your business’ unique risks!

 

From $300

From $500

From $750

Read detailed descriptions and insurance tips below!

Accident Insurance

Pays the medical bills (coinsurance, deductibles, copays) for the family when a child is injured in your care.

This coverage gives peace of mind to parents, especially when they don’t have a competitive health insurance policy for their family.

The claims process is easy, and the coverage is inexpensive, making it a great option for small care providers

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Better

If you’re required by the state to have insurance, this is what they will require. The Package includes General Liability, Professional Liability (E&O), and Abuse/Molestation Coverage. Start Quoting, or learn more about these coverages below!

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General Liability

General Liability covers bodily injury and property damage when negligence is involved. For example, if a child trips and falls while in your care, it would help cover their medical bills.

 

Professional Liability

Professional Liability covers less tangible risks, usually relating to advice or performance. For example, if a parent (or the state) were to claim that you were not meeting your duty to educate children to a certain learning criteria, Professional Liability would provide coverage.

 

Abuse / Molestation

Typical charges that get covered by Abuse and Molestation coverage include improper hiring, improper training of employees, or failing to protect a child from harm. The insurance will typically pay whether or not the court finds grounds for conviction.

Best

Fully protect your daycare by adding additional coverages, like Umbrella Liability, Automobile Liability, Workers’ Compensation, and Property Insurance

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UMBRELLA

An extra layer of protection that raises the limits of your General Liability policy.

AUTOMOBILE LIABILITY

Choose between commercial auto, or Hired and Non-Owned Auto, which covers things like taxis and hired school buses.

Property Coverage

Because you’re operating a business, some accidents may not be covered by your homeowner’s insurance.

Workers’ Compensation

If you have employees, this is usually required by law. It protects them in case of injury on the job.

Tips for the Insurance Process

safety culture

  • Background check every staff person or anyone that will be around the kids - short or long term - every time

  • Separate the animals and the kids all the time

  • Have a fenced in play area

  • Pools and hot tubs completely inaccessible to children

  • Closed Kitchens (crock pots have been major insurance claim over past several years)

  • Talk about your safety plans (fires, tornadoes, etc)

Paperwork & Documentation

  • Have a waiver of liability form signed by every guardian

  • Have a permission slip form for all field trips and activities

  • Have an application on file for every child

  • Document, document, document

  • Have written policies for medication/medication log other safety measures

  • Have a written sick kid policy with a standard health screening form

Insurance Red Flags

  • Overnight Care/24 hour care

  • Knob and Tube wiring

  • 100% drop in care

  • Transportation to and from school

  • Bounce houses

  • Corporal punishment

  • Providing medical care

ABOUT ACCIDENT INSURANCE

  • Accident Insurance is a great supplement to any insurance policy, because the claims process is straightforward and easy. The insurance companies goal is to prevent lawsuits brought by parents, so it can have fewer exclusions than a General Liability policy

  • Accident Insurance does not fulfill insurance requirements that include General Liability. However, if you’re required to have General Liability insurance, an Accident policy is an affordable addition that can significantly extend your coverage

  • To add Accident Insurance to other coverages, select the “Best” policy

  • Who is eligible:
    Schools, daycares and camps, after school programs, sports teams and gyms, non-profits, and extra-curriculars

  • Who it covers:
    Athletes and fans, coaches, volunteers, students, and participants

  • What it covers:
    Sprains and breaks, concussions, hospitalizations, doctor visits, and urgent care

  • Where it covers:
    School, practices, games, tournaments, travel to and from these locations


 

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