Concord day care insurance has to satisfy three audiences: Community Care Licensing, your landlord, and the parents who ask what you carry. The policy that satisfies all three is rarely the cheapest one, but the difference in premium is usually smaller than owners expect.
We quote Concord centers with the abuse limit, professional liability and employment practices coverage priced as separate line items so the trade-offs are visible.
What day care insurance needs to include
Child care coverage is built around three exposures: an injury on your premises, an allegation involving a child, and an employment dispute with staff. General liability handles the first. Abuse and molestation coverage — with its own limit, not shared with general liability — handles the second, and it is what licensing agencies, landlords and parents increasingly ask to see.
Professional liability responds to supervision and care decisions, which is a different question from a playground injury and needs its own wording.
Abuse and molestation coverage: read the limit
Many package policies include a small sublimit, defense-inside-limits, and a claims-made trigger. For a licensed center that combination is thin. Ask for the limit in writing, ask whether defense costs erode it, and ask whether coverage continues for allegations reported after a former employee leaves.
Field trips, transportation and off-site care
Any time children leave the building, your exposure changes. If staff drive children in personal vehicles, hired and non-owned auto is essential. If you own a van, it needs a commercial auto policy with the right seating and driver class — a personal auto policy will not respond.
Staff workers' comp and employment practices
Lifting children, slips, and illness exposure drive comp claims. Turnover is high in the sector, which also makes employment practices liability worth its cost: wrongful termination and wage-and-hour allegations are common and expensive to defend even when you are right.
What we see in Concord
Larger Concord centers with more staff face a real employment practices exposure. Turnover in child care is high, and wrongful termination and wage-and-hour claims are expensive to defend even when the center did everything right.
Before- and after-school programs that move children between sites also need transportation addressed explicitly, including staff who use their own vehicles.
Questions Concord owners ask us
Do I need employment practices liability?
If you have more than a handful of employees, it is worth pricing. Defense costs on a single wage-and-hour or termination claim typically exceed several years of premium.
What limits do landlords usually require?
Commonly $1 million per occurrence and $2 million aggregate with the landlord as additional insured. Some also require abuse coverage to be stated on the certificate.
Are volunteers and substitute staff covered?
Volunteers are typically covered under general liability, but background-check practices affect abuse coverage terms. Substitutes on payroll belong in your workers' compensation reporting.
Get a child care quote for your Concord business
Send your license type, enrollment, and payroll and we'll start by checking your abuse and molestation limit. We are an independent brokerage based in Antioch, serving Contra Costa County and the wider Bay Area. CA License #0D90958.
Other cities we write this coverage in
See our full Human Services Insurance overview.