When you purchase a home in New York, it’s essential to protect your investment with home insurance. If you’re located near Brooklyn, NY, our team at VAC Insurance Agency is eager to assist you in selecting the right policy. We’ve been serving homeowners like you since 1976.

Understanding the Additional Liability Needs of Child Care Providers

If you’re a homeowner providing childcare services in your home, you have additional liability needs. According to the New York Office of Children and Family Services, you assume responsibility for the children’s safety, which necessitates additional liability insurance. The same source suggests that most homeowners’ insurance policies don’t provide adequate coverage in the event of a disaster or accident. Although you’re a homeowner, this situation calls for a form of business insurance known as daycare liability insurance.

As per Thimble, if a child under your care is injured in your home due to equipment, a fall, or an injury from another child, daycare liability insurance can cover the child’s medical expenses. The insurance may cover your court costs if you face allegations of slander from a parent or a rival daycare business. If you’re paid to provide childcare in your home, your agent can help you estimate the amount of additional liability insurance you need.

Contact Us Today for Your Appointment

We’re a second-generation family-owned insurance agency. Each VAC Insurance Agency team member is committed to providing insurance education and excellent client support. Homeowners near Brooklyn, NY, trust us with their insurance needs. Call us for an appointment today, and let’s work together to find the right insurance policy for you.