Running a daycare from home allows you to combine work and family life while providing a valuable service to your community. However, it also introduces unique risks that standard homeowners insurance often doesn’t cover. Commercial insurance helps protect your business, your income, and your peace of mind.

Why Homeowner’s Insurance Isn’t Enough

Most homeowners policies exclude coverage for business-related activities. If a child is injured on your property or your daycare equipment is damaged, your standard policy likely won’t pay for the loss. Without proper coverage, you could be personally responsible for medical costs or legal claims.

Key Coverages To Consider

A business owners policy (BOP) or specialized daycare insurance package typically includes general liability, property, and professional liability coverage. General liability protects against accidents and injuries, while property coverage helps replace toys, furniture, and supplies damaged by a fire or theft. Professional liability covers claims related to alleged negligence or mistakes in care.

Protecting Your Livelihood

Even with safety precautions, accidents can happen. Commercial insurance helps ensure that one incident doesn’t threaten your business or personal finances. Some policies also offer business interruption coverage, helping replace lost income if your daycare must temporarily close due to covered damage.

Talk to an Insurance Professional

Before enrolling children, review your coverage options with a licensed agent. The right policy will safeguard your home-based daycare, allowing you to focus on what matters most: caring for the children in your community.

Call Advantage Insurance Network, Serving Cincinnati, OH

At Advantage Insurance Network, we’re proud to serve Cincinnati, OH, and we’re excited to talk to you about how our commercial insurance products can help you get the protection you need. Contact us to talk with one of our agents.