Insurance
For The North

Specialized Education & Childcare Insurance Expertise:
At 705 Insurance, we understand the specific needs and risks faced by education and childcare businesses. Our experienced brokers specialize in crafting insurance solutions for schools, daycare centers, after-school programs, and more. We offer the expertise needed to design a comprehensive policy that covers everything from property damage to liability claims, so you can focus on providing the best care and education to children.

Comprehensive Coverage Options:
We offer a range of tailored coverage options to protect educational and childcare providers from the unique risks they face. Our policies provide financial security in the event of accidents, injuries, property damage, and even legal disputes. Whether you operate a daycare center, a private school, or a summer camp, we ensure your business is covered from all angles.

General Liability Insurance:
General liability insurance is crucial for protecting your business from third-party claims, such as bodily injury, property damage, or accidents that may occur while children are in your care. This coverage helps with legal expenses, medical bills, and settlements if someone is injured on your premises or during your activities.

Property Insurance:
Property insurance covers your building and equipment, such as playgrounds, educational materials, and furniture, against risks like fire, theft, vandalism, or natural disasters. This ensures that your facility is protected, and you can quickly recover and resume operations after a loss.

Professional Liability Insurance (Errors & Omissions):
Professional liability insurance, also known as errors and omissions (E&O) insurance, protects your business from claims related to professional negligence, such as mistakes in educational planning or child care services. If a parent or student sues for claims such as failure to educate properly or a miscommunication, this coverage will help cover the costs of legal defense and settlements.

Abuse & Molestation Insurance:
This specialized coverage is designed to protect your business from claims of abuse or neglect within your facility. Whether in the classroom, daycare setting, or during extracurricular activities, abuse and molestation insurance provides financial protection for the business in the event of a legal claim related to inappropriate conduct.

Auto Liability Insurance:
If your educational or childcare business owns or operates vehicles (e.g., for field trips or transporting children), auto liability insurance is necessary. This coverage protects your business if one of your vehicles is involved in an accident and helps with medical expenses, legal defense, and property damage.

Workers’ Compensation Insurance (Note: Not included in this scope)
Though not a part of our offerings, we can advise you on adding workers’ compensation coverage separately to protect your employees in case of workplace injuries. Employees in the childcare and education sector are particularly vulnerable to injuries, making this an important protection to have in place.

Business Interruption Insurance:
If your facility faces a major disruption, such as a fire or flood, business interruption insurance ensures that your operations are covered while you recover. This coverage helps compensate for lost income and covers ongoing expenses, including salaries, while your facility is closed due to damage.

Cyber Liability Insurance:
As educational and childcare services increasingly rely on digital tools and record-keeping systems, the risk of cyber incidents grows. Cyber liability insurance protects against data breaches, identity theft, and other cyber risks, ensuring your business is covered in the event of a data security breach that compromises sensitive student or staff information.

Accident Insurance:
Accident insurance offers coverage for medical expenses resulting from injuries sustained by children in your care, whether they occur on or off the premises. This coverage ensures that you can provide immediate assistance and protection for the health and well-being of the children under your care.

Umbrella Insurance:
Umbrella insurance provides additional liability coverage on top of your existing policies, including general liability and auto insurance. This is important for educational and childcare businesses that are prone to larger claims, as it can provide extended protection in case of a significant lawsuit or legal judgment.

Educational Equipment Insurance:
This coverage protects your educational tools, technology, and other classroom equipment from damage, theft, or malfunction. Given the importance of these resources in maintaining quality education, educational equipment insurance ensures you can replace and repair these tools without disrupting operations.

Employee Dishonesty Insurance:
Employee dishonesty insurance protects your business against losses caused by theft, fraud, or embezzlement committed by your employees. Since educational and childcare services handle significant funds for tuition, fees, and donations, this coverage safeguards against potential fraudulent activity within the organization.

Volunteer Liability Insurance:
If you utilize volunteers in your educational or childcare programs, volunteer liability insurance helps protect both the organization and the volunteer in case of accidents or negligence. This coverage is essential for summer camps, after-school programs, and community-based educational services.

Health & Safety Training Coverage:
Health & safety training coverage ensures your business is covered for costs associated with maintaining a safe learning and care environment. From ensuring your staff is trained in first aid to implementing safety protocols, this coverage helps mitigate risks associated with the daily operation of educational and childcare services.

Competitive Rates:
At 705 Insurance, we work with leading insurers to ensure you receive the most competitive rates for your education and childcare insurance needs. Our goal is to provide you with optimal coverage that fits within your budget, without compromising on the protection you need.

Get a Quote Today

Contact 705 Insurance today to get a customized quote for your education or childcare business. Let us help you protect your facility, staff, and students from unforeseen risks so you can continue delivering quality care and education.

Protect Your Education & Childcare Business with 705 Insurance
705 Insurance understands the unique risks that educational and childcare businesses face, and we offer a wide range of coverage options to ensure you’re protected. Whether you're running a daycare center, private school, or after-school program, our policies are designed to safeguard your operations and provide peace of mind. Contact us today for a personalized quote and make sure your educational or childcare business is fully covered.