All material in Library Files is copyright. Security for Everyone By Catherine M. Pruissen Injuries happen without warning. Providers are responsible for the proper supervision of the children in their care at all times. They are also responsible to seek appropriate medical care in an emergency. This is a huge responsibility because the provider is liable and can be sued if a parent feels the accident was the result of negligence or improper care.
Liability insurance is an essential part of any child care program.
Unfortunately, liability insurance is often the last thing parents think about when it comes to child care. Worse, many unlicensed caregivers aren't even aware of the need to protect themselves or the families they serve. In the very least a caregiver should have a rider put on their homeowner insurance policy to cover the children in their care. In others, the minimum amount required may not be sufficient to protect a provider against potential liability suits. A separate policy that covers the daycare operation, while more expensive, often provides better coverage.