Skip to main content

Insurance for Daycares and Preschools in Maine and New Hampshire

By December 6, 2023Specialty Insurance
Blog - Insurance for Daycares & Preschools in Maine and New Hampshire

Comprehensive Protection for Your Daycare or Preschool

Running a daycare or preschool presents ever-growing challenges. At Lotfey Dennett Insurance, we’re keenly aware of the hurdles faced by owners, especially amidst rising insurance costs and recent reductions in federal funding.

Understanding Your Insurance Needs

For childcare businesses, certain insurance coverages are often required by state regulations. This includes general liability insurance, essential for bodily injury and property damage coverage. Additionally, workers’ compensation may be necessary for businesses with employees.

Addressing Risks in Childcare

Children, despite vigilant supervision, face inherent risks. From playground accidents to unexpected spills, being prepared for these uncertainties is crucial. Our insurance solutions aim to shield your business from unforeseen incidents.

Essential Coverage Options

We offer a range of vital insurance coverages:

  • General Liability Insurance: Protects against injury on your premises.
  • Professional or Abuse Liability: Covers legal fees in the event of staff-facing allegations, ensuring protection from significant court expenses.
  • Commercial Property Insurance: Safeguards your building, furniture, and signs from various risks like fire and vandalism.
  • Business Owner’s Policy (BOP): A comprehensive package combining property and liability coverage, offering cost-effective protection.

Factors Influencing Insurance Costs

Numerous elements impact insurance expenses, such as location, workforce size, and services offered. Tailoring coverage to your specific needs is our focus, ensuring a custom quote aligned with your daycare or preschool requirements.

Enhanced Safety Measures

Consider additional coverages like commercial auto policies for transportation needs or field trips. Implementing safety checklists can further mitigate risks within your childcare facility.

Coverage Tailored for Home-Based Daycares in Maine

In Maine, many daycare owners operate from personal properties, whether within their homes or separate dwellings. Lotfey Dennett Insurance understands the unique needs of these home-based daycares. Specialized coverage is essential, protecting both your property and the children under your care.

Request a Tailored Quote

Connect with Lotfey Dennett Insurance today! Our professionals in Portland, Maine, will gather detailed information about your childcare business to provide tailored insurance solutions.

Protecting Your Daycare or Preschool Matters

Navigating risks and regulations is essential. Reach out to us to secure comprehensive coverage for your daycare or preschool!