Playground injuries. Unsecured gates. Severe food allergies. You are protecting the most vulnerable population possible, but most daycares are carrying limits that leave the business completely exposed to a jury verdict.
You run a licensed Child Day Care Center in Texas. You manage infant rooms, toddler playgrounds, after-school programs, and severe allergy protocols. Parents trust you with their children, and the state scrutinizes your ratios and facility safety.
Most child care programs we review are operating under a dangerous illusion of safety because they meet the "state minimum" requirement of $300,000 in liability coverage. When a child falls from playground equipment and requires surgery, or wanders out an unlocked gate, Texas juries do not limit their awards to $300,000. The gap between the state minimum and a real-world verdict is yours to fund.
The exposures in a child care setting are high-frequency and emotionally charged.
| The Exposure | Coverage That Responds | What It Protects | Financial Exposure |
|---|---|---|---|
| Statutory Minimum Shortfall. A child suffers a severe head injury falling from a playground structure. The family sues for negligent supervision. The jury awards $1.5M. Your state-minimum policy pays $300K, leaving your business on the hook for the remaining $1.2M. | General Liability + Commercial Umbrella | High-limit excess coverage ($1M–$5M+) that bridges the gap between basic policies and catastrophic jury verdicts. | $1.7M+ |
| Elopement / Wandering Child. A gate is left unlatched during recess, and a toddler wanders into a nearby busy street. The family sues for gross negligence and failure to secure the premises. | General Liability (Premises Security) | Bodily injury and liability defense stemming from a failure to maintain a secure perimeter. | $500K–$1M+ |
| Food Allergy Emergency. A staff member accidentally gives a peanut butter snack to a child with a known, documented severe nut allergy. The child goes into anaphylaxis and requires emergency hospitalization. | Professional Liability (Incidental Medical) | Coverage for negligence in administering care, following dietary restrictions, or dispensing authorized medications. | $250K–$500K |
| Child Care A&M Exposure. A parent notices behavioral changes and alleges a staff member acted inappropriately with their child. The ensuing media attention and lawsuit threaten the facility's existence. | Abuse & Molestation (A&M) with Dedicated Limits | Dedicated $1M limit for abuse allegations, structurally separated from your standard general liability cap. | $500K–$1M+ |
30-minute call. Walk us through your licensed capacity, your facility layout, and your staff ratios. We'll tell you exactly where your current policy breaks—and what a claim would actually cost.