DAYCARE & CHILDCARE CENTERS Protecting the Places Where Children Learn and Grow
Childcare organizations play an essential role in supporting families and communities.
Gethsemane™ provides insurance solutions designed to help daycare centers, early education programs, and childcare providers protect their people, facilities, operations, and long-term mission.
Understanding the Unique Needs of Childcare Organizations
Daycare and childcare providers operate in an environment where safety, supervision, trust, and continuity are critical. Effective insurance protection helps support the organization’s ability to serve children and families while managing operational, liability, and property-related exposures.
Child & Participant Safety Risk
The health, safety, and well-being of children are central to every childcare operation. Proper insurance protection helps support responsible care and organizational resilience.
Common Considerations
- Child supervision
- Playground activities
- Field trips
- Transportation
- Food service
- Medical emergencies
- Special needs accommodations
- Participant injuries
Solutions
- Abuse & Molestation Liability
- Commercial Auto
- Excess/Umbrella Liability
- Other related liability coverage
Staff & Employment Risk
Daycare organizations depend upon qualified staff members to provide safe and effective care. Workforce-related risks can create exposures for both management and operations.
Common Considerations
- Employee injuries
- Hiring practices
- Staff shortages
- Employee conduct
- Training requirements
- Employment disputes
- Workers’ compensation claims
- Leadership turnover
Solutions
- Workers’ Compensation
- Management Liability
- Crime Coverage
- Other related liability coverage
Facility & Property Risk
Childcare facilities represent significant investments that support daily operations, learning activities, and family engagement.
Common Considerations
- Classrooms
- Playgrounds
- Furnishings and equipment
- Learning materials
- Weather-related damage
- Fire protection
- Building maintenance
- Business interruption
Solutions
- Commercial Property
- Equipment Breakdown
- Crime Coverage
- Other related property coverage
Cyber & Administrative Risk
Childcare organizations maintain sensitive information related to children, parents, employees, and financial transactions that require protection.
Common Considerations
- Parent information
- Medical records
- Tuition payments
- Employee records
- Network security
- Data privacy
- Social engineering fraud
- Third-party software providers
Solutions
- Cyber Liability
- Privacy Liability
- Funds Transfer Fraud Coverage
- Other related cyber coverage