Protecting your home daycare with general liability insurance in NJ

Running a daycare in your home can allow you to be self-employed while still having a satisfying career. Daycare workers are more than just babysitters. They help inspire and incite young minds to imagine, create and learn. Every daycare, even if run in a private residence, needs general liability insurance in NJ. New Jersey childcare businesses can limit the risk of injuries on their premises by taking a few basic safety measures.

• Block the top and bottom of staircases with safety gates. Places that are often overlooked by parents and caregivers included the stairs on raised decks and in the basement.
• Place childproof outlets covers on all electrical outlets, even those that are covered by furniture. Choose ones with a sliding safety switch to prevent curious hands from removing them.
• Check the height of the locks on doors leading to the outside. For any entry that can easily be opened, prevent kids from running outside unknowingly by adding extra locks near the top of the door.
• Bolt heavy furniture to the wall, such as dressers and bookcases. These can pose a real hazard around small children who like to climb.

Do you own or are you considering offering childcare services in your house? You need to purchase a commercial policy that includes general liability insurance in NJ. Homeowners’ coverage typically does not protect the insured against accidents that occur while running a home business. With Reiner Insurance, you can get the coverage you need with our agency’s help. Contact us today for more information!