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Nursery School Insurance in Washington

Nursery schools provide early learning, socialization, and supervision during an important stage of childhood. Caring for very young children also creates liability and insurance exposures that require careful consideration.
FirstMark Insurance Group works with nursery schools in Washington to evaluate insurance for their facilities, employees, educational activities, and interactions with children and families.

Insurance Coverage for Nursery Schools

A nursery school insurance program may combine several forms of coverage, including:

• General Liability Insurance
• Commercial Property Insurance
• Professional or Educators Liability
• Workers' Compensation
• Sexual Abuse and Molestation Coverage
• Cyber Liability
• Commercial Auto Insurance
• Umbrella or Excess Liability

Coverage should be tailored to the actual operation rather than relying on a generic small-business insurance package.

Liability Risks When Caring for Young Children

Young children require close supervision and can be particularly susceptible to falls and other accidental injuries.
A nursery school could potentially face claims involving playground injuries, slips and falls, food or allergic reactions, supervision, educational activities, or incidents involving parents and visitors.
General liability provides an important foundation, while other specialized coverages may be necessary for exposures outside the scope of general liability.

Sexual Abuse and Molestation Coverage

Sexual Abuse and Molestation (SA&M) coverage helps protect businesses and organizations from allegations of sexual abuse or molestation involving patients, clients, residents, students, participants, employees, volunteers, or other third parties.
It is particularly important for healthcare providers, senior living facilities, behavioral-health organizations, schools, childcare providers, youth programs, nonprofits, faith-based organizations, fitness facilities, and any business serving vulnerable populations.
Nursery schools have regular contact with young children, making this an important coverage consideration. Standard General Liability policies usually exclude or significantly restrict coverage for these allegations.
Since these allegations can result in substantial defense costs, settlements, judgments, and claims involving multiple alleged victims or responsible parties, we recommend a $1M SA&M limit for most organizations with regular contact with children, patients, residents, or other vulnerable individuals.

Property and Business Income Coverage

Furniture, educational materials, toys, computers, security equipment, outdoor play equipment, kitchen supplies, and other property can add up quickly.
Commercial property insurance can help protect eligible property against covered losses. Business income coverage may also help with certain lost income and continuing expenses when a covered property loss temporarily prevents the school from operating.

Nursery School Insurance FAQs

Is nursery school insurance different from standard business insurance?

It can be. Nursery schools have exposures involving children, supervision, educational services, playgrounds, employees, and potentially transportation that may require specialized insurance provisions.

Should nursery schools carry Sexual Abuse and Molestation coverage?

Nursery schools should strongly consider this coverage because Standard General Liability policies usually exclude or significantly restrict coverage for sexual abuse and molestation allegations. We recommend considering a $1M SA&M limit for most organizations that regularly work with children or other vulnerable populations.

Can nursery school insurance cover playground equipment?

Commercial property coverage may cover eligible playground equipment when it is properly scheduled or otherwise included within the policy. Liability associated with playground activities should also be reviewed.

Does nursery school insurance cover teachers and employees?

Different policies address different employee-related exposures. Workers' compensation may cover eligible occupational injuries, while professional liability and SA&M coverage may address other types of allegations, subject to their individual terms.

Find Nursery School Insurance in Washington

FirstMark Insurance Group can help identify the risks associated with your nursery school and compare insurance options designed for early childhood organizations.
Call 206-462-3293 to learn more.