Do You Have a Home Daycare Business?

If you’re a Texas business owner, you’re required to carry commercial insurance. Business owners can find answers to their questions by talking with our team at Paragon Independent Insurance Agency. Owners near Plano, TX, are encouraged to visit our office. We’ve been working with Texas businesses like yours since 2003.

Do You Have a Home Daycare Business?

If you care for children in your home and charge a fee for that care, your daycare qualifies as a business. Insurance matters for daycare owners due to the added risks of child or parent injury, as well as the risk of a child’s belongings being lost or stolen. Commercial insurance can also help cover legal defense costs if a claim arises.

Home daycare centers typically need liability coverage, property insurance, and a workers’ compensation policy for any employees. A standard home insurance policy will rarely cover business activities conducted in your home. Some carriers do offer an extension that can cover certain daycare-related activities under a home policy, but providers who regularly care for three or more children or operate for more than 20 hours per week often find that their homeowners insurance alone isn’t sufficient. Hiring additional employees is another clear sign that commercial insurance is worth exploring.

Call Us for Your Appointment Today

Our experienced team at Paragon Independent Insurance Agency can help make sure you’re aware of all the types of insurance your business may need. Companies in Plano, TX, have discovered that we provide excellent customer service. Contact us today to schedule your appointment and give us the opportunity to work with your company.

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