Commercial Auto Insurance for Childcare Businesses

An automobile insurance policy is designed to provide you and your organization with protection against property, liability, and medical costs. This coverage can protect your organization in the event of an accident in a car that is owned.

How can this benefit your organization?

• Covers and pays for damage to your car, or the theft of your car.
• Pays your legal responsibility to others for bodily injury or property
  damage (Most states require automobile owners to purchase a minimum of bodily injury and property damage liability insurance).
• Covers the cost of treating injuries, rehabilitation, lost wages and funerals, if the accident involves a vehicle that is owned by you or your organization.

Example of Claims Covered

Fender Bender: An organization was transporting clients who suffer from mental disabilities and was involved in a fender bender. The vehicle was damaged, and all of the clients had to be taken to the emergency room to be checked for injuries. This claim was covered by the organization’s Automobile Insurance Coverage.

Also see:

• Coverage for employees driving their own vehicles
• What affects auto insurance cost for childcare businesses?
• Most Common Auto Claims for Daycares