What Type of Insurance Should a Daycare Center Have to Protect My Child?

How Does Insurance Protect Texas Children and Families? 

With 68% of Texas families having two parents working, a majority of families across the state rely on childcare help, per a 2024 report prepared by the Texas Legislative Study Group. Even in highly rated and reputable daycare centers across the state, incidents severely injuring children can still happen.

Daycare insurance protects families by making sure their children get the care they need after a severe injury or harmful incident at a center. After a daycare injury, parents often face unexpected medical bills, therapy costs, and emotional distress. Insurance coverage ensures there’s a financial resource available to help families move forward. Without it, parents may be left paying expenses out of pocket or forced into a lengthy legal process to recover those costs.

Why Does Having Insurance Show a Daycare Center Takes Safety Seriously?

When daycare centers invest in liability insurance, they’re not just checking a box. They’re signaling that they operate professionally and responsibly and prioritize child safety. These centers understand the risks involved in childcare and want to assure families that they can be trusted to protect their children.

Having liability insurance also conveys that a daycare center has protocols and procedures in place to handle emergencies properly, from incident reporting to seeking emergency medical care for children under its watch.

Before enrolling your child at a daycare center, we recommend you ask the center for:

• A copy of its current insurance certificate
• The name of its insurance provider and coverage limits
• Written confirmation that the insurance policy is active

Do not be embarrassed to ask or feel like you are inconveniencing the center by asking. Licensed daycares are required by law to provide this information to parents upon request.

What If My Child Is Hurt at a Daycare Center and Its Insurance Doesn’t Cover Everything?

If your child’s injury isn’t fully covered or if the daycare didn’t carry proper insurance, your family still has legal options. Texas daycare injury lawyers like our team at The Button Law Firm can help you:

• Determine whether the daycare violated state licensing standards
• File claims against all responsible parties
• Seek compensation for medical bills, therapy, pain and suffering, and more

Our team has spent more than a decade helping Texas families through these difficult incidents and ensuring negligent daycare centers are held accountable when safety is overlooked.

Contact us for a free case evaluation by calling 214-699-4409, emailing us at intake@buttonlawfirm.com, or filling out our online form. We are ready to listen and help you determine the best path forward for your child and family.