Does Commercial Insurance Cover a Daycare in Mount Dora?

Three Things a Standard Business Policy Wasn’t Built to Handle

A daycare operates differently than most small businesses, and that difference matters when it comes to insurance. Between the children in care, the parents dropping off and picking up, and staff supervising it all, a licensed childcare facility carries a specific mix of exposure that a general commercial policy often doesn’t fully address.

1. Supervision-Related Claims

A general liability policy generally handles slip-and-fall injuries or property damage, the kinds of things that could happen at nearly any business. But claims related to the quality of care and supervision provided to children fall into a different category entirely. This is typically addressed through professional liability coverage, sometimes called abuse and molestation coverage in the childcare industry, and it’s a separate line item from standard general liability.

2. Florida’s Licensing Requirements

The Florida Department of Children and Families requires licensed childcare facilities to carry specific insurance coverage before they can legally operate. Maranatha Tax and Insurance Agency works with Mount Dora daycare owners to make sure this requirement is met correctly from the start, since getting it wrong doesn’t just create a coverage gap, it can delay or jeopardize the licensing process itself.

3. Employment Practices as the Business Grows

As a daycare adds staff, employment practices liability becomes increasingly relevant, covering claims related to hiring, termination, or workplace disputes among employees. A daycare that starts with one or two staff members and grows into a facility with a full team needs this coverage reviewed as that growth happens, not years later.

What This Looks Like Put Together

• General liability: covers standard injury and property damage claims
• Professional liability: covers claims specifically related to childcare supervision
• Property coverage: protects the facility, playground equipment, and classroom materials
• Employment practices liability: addresses staff-related claims as the business grows

Each of these pieces serves a different purpose, and a daycare operating without all of them in place has real gaps in protection. Maranatha Tax and Insurance Agency helps Mount Dora childcare business owners make sure their coverage actually reflects what a licensed facility needs. Reach out through Maranatha Tax and Insurance Agency to review your coverage.