Your business could face a lawsuit if a child gets hurt at your daycare for any reason. Whether the injury was intentional or not, you must make sure your daycare is equipped with adequate liability insurance to protect you. If the parents of the child press charges against your daycare, your liability insurance will respond to the claim and reimburse you for legal fees, such as attorney and court costs, whether you're found guilty or not. If you lose the case, liability insurance will reimburse for settlement fees, as well.