Do I Need Preschool or Daycare Insurance for My Daycare Business?
The top priority for preschools and daycare facilities is to keep their staff and the children in their care as safe as possible. However, accidents can happen. If a preschooler is injured while on school grounds or when participating in a covered school event, a preschool and daycare insurance policy from The Hartford can help cover their medical treatment costs, including:
- Hospital trips
- Doctor appointments
- Bandages and casts
- Medicine to prevent illness or infection
In addition to protecting the youngest students, our preschool and daycare insurance coverage also includes teachers and supervisors. They can have peace of mind knowing they’re protected during covered accidents that happen on school grounds or during supervised school activities.
Who Is Eligible for Preschool and Daycare Insurance?
The types of schools and programs that are eligible for coverage under our preschool and daycare insurance program include:
- Nursery schools
- Licensed daycare centers
- Project Head Start
All registered students or enrollees of the insured school are included in the coverage. Teachers and Head Start supervisors may be insured at the option of the policyholder. If the policyholder chooses to cover teachers and Head Start supervisors, all teachers and Head Start supervisors employed at the school must be included in the coverage.
What Activities Does Preschool and Daycare Insurance Cover?
Our Preschool and daycare insurance covers students, teachers, Head Start participants and supervisors during a variety of scenarios, such as:
- While participating in daycare activities that are sponsored and supervised by the policyholder school.
- While traveling with a group in connection with such school activities or while traveling directly between school and home.
- While traveling in a vehicle designated by the Head Start program director and driven by an appointed licensed driver.
What Coverages Are Included in Preschool and Daycare Insurance From The Hartford?
Our preschool and daycare insurance provides benefits in the event of an accidental death, accidental dismemberment or injury.
Muerte accidental y desmembramiento
Accidental death insurance from The Hartford may pay benefits to the beneficiary when the child’s cause of death was accidental and unforeseeable. For example, if a child tragically dies while playing on the playground or on a school field trip, accident insurance may pay benefits to that student’s beneficiary.
Our accidental dismemberment insurance helps provide benefits to students and beneficiaries in the event of an unforeseeable and disabling covered accident, such as loss of a limb or other appendage.
Accident Medical Expense (AME) Insurance
Accidental medical expense (AME) from The Hartford can help cover medical costs to treat injuries caused by a covered accident. For example, if a child is injured on a daycare playground, our accident insurance can help pay for the medical expenses related to their treatment.
What Are the Policy Requirements for Preschool and Daycare Insurance From The Hartford?
All daycare children must be included in our preschool and daycare insurance program. Though a list of names is not required, a premium must be paid for each person to be insured. People who join the group while the policy is in effect are automatically covered until the policy expiration date. The total premium for the policy is payable when the insurance becomes effective.
Why Choose The Hartford To Protect Your Preschool or Daycare?
We make it as easy as possible to work with us. Our dedicated customer support team is available to answer your questions and guide you through the claims process as quickly and easily as possible.
Talk to your agent or a representative at The Hartford to discover how we can help protect your preschool or daycare.