Finding the Right Day Care Insurance for your Child or Adult Facility
Consult The Nowell Agency, Inc. for the best insurance for your day care
The insurance requirements for a day care facility – either an adult facility or a child-care facility – are defined by the Mississippi state regulations. It helps to work with a local underwriter who is familiar with your business and the state laws that regulate it. To that end, contacting The Nowell Agency, Inc. is one of the quickest and easiest ways to get the coverage you need for your day care facility.
What does day care insurance include?
Day care insurance typically includes:
- Protection for the day care property, grounds, and equipment
- Worker’s compensation for day care employees
- Professional liability and/or malpractice protection
- Business auto insurance for transporting children or adults that attend the day care center
- General liability coverage
In the state of Mississippi, all day care facilities are required to be licensed – even those that are in-home day care facilities. The Mississippi Department of Health also requires that all home day care facilities have both fire and health inspections and that water from private sources (such as on-site wells) be tested for bacteria. State laws also require finger printing and background checks of both criminal and child abuse databases before anyone is allowed to care for children.
At The Nowell Agency, Inc. we can help you with custom-designed coverage to protect your day care staff, your property, and your other assets.
Call 601.992.4444 or request a quote online for day care insurance.
Day Care Centers Aren’t Just About Children Anymore
It’s very important to recognize that while the majority of day care centers are focused on the care of children during the day, there are a number of day care centers now that focus on adult day care for an aging population. Much like child care centers, the risk exposures adult day care centers face are among the most dramatic and potentially expensive in the industry. After all, our children and our elderly are the most helpless individuals in our society and their families feel extremely protective about them.
Finding the right insurance underwriter is critical to ensuring that your facility, your staff, and your clients are all well taken care of. At The Nowell Agency, Inc., we care about the perils and demands of the day care industry and want to help you minimize your risk while helping you more effectively protect your day care facility and its occupants.
The Nowell Agency, Inc. has been in the business for nearly three decades. We provide a wide range of Mississippi day care insurance, life insurance, business insurance, commercial marine insurance, personal insurance, and risk management products in Mississippi and across the southeastern U.S.
Contact us to consult an experienced and knowledgeable broker and get competitive day care insurance quotes in Mississippi.