Preschool Insurance in Florida

Boca Raton, Delray Beach, Boynton Beach, Palm Beach, Martin, Dade, Saint Lucie, Broward County & the surrounding areas

South Florida Preschool Insurance

As pioneers of preschool coverage in Florida, we have been serving this specialty market for over 30 years. The strong relationships we have built with insurance companies enables us to offer our clients with better products and services at highly competitive pricing. Knowing the concerns and issues facing preschools today, we constantly negotiate on their behalf for affordable insurance coverage. It is a service that we are especially proud to provide.

Parents and students both rely on preschools to keep attending children safe. No matter how hard a preschool works to ensure the safety of the students, accidents and injuries can occur and preschools are at risk for lawsuits both frivolous and sound. In order to protect its own interests and ensure its future operation, preschools should secure both liability and property insurance specific to their individual risks.

Liability Insurance For Preschools

While a general liability insurance policy will cover many of the liability risks preschools face when having students, parents and visitors on its grounds, more specific policies may also be necessary. Student accident insurance is one such policy. This policy will generally cover injuries and accidents that can occur both on preschool property and when away on field trips.

In order to protect employees, preschools should consider employment practices liability insurance, which offers protection from the expense of lawsuits and claims for inappropriate employment practices. If automobiles are operated on behalf of the preschool or are owned by the preschool, the proper liability insurance to comply with state regulations should be purchased.

Abuse and molestation is a very high exposure due to the care and supervision of children. No coverage is available for the abuser. While there is some coverage available in the standard market for the pre-school where the abuse takes place, it is very restricted. More complete coverage should be purchased through specialized markets. The pre-school must take all precautions possible to protect students from predatory adults and older students through background checks, monitoring, and supervision, and reporting all allegations of abuse to the proper authorities.

Property Insurance For Preschools

To protect the building and contents of the preschool, a commercial property insurance policy may be necessary. This will not only protect preschool property against fires, hurricanes and other covered hazards, but will also generally protect against crimes such as theft and vandalism. Preschool administrators should be careful to structure the policy’s limits to cover the real financial risks involved in losing expensive preschool equipment, such as computers.

Minimum recommended coverage:

• Business Personal Property
• Business Income and Extra Expense
• Employee Dishonesty
• General Liability
• Umbrella
• Student Accident
• Auto Liability
• Hired and Nonownership Auto
• Workers Compensation
• Flood