Don't kid around: get yourself covered
It's perfectly understandable that every parent wants the best for their child.
When a child is left in your care, it’s up to you to treat their education and wellbeing with the attention to detail that their parents expect.
However, for you, an unhappy parent can be more than just an inconvenience, it's a potential lawsuit. You could be personally sued if something goes wrong, leaving you to pay for defense costs and damages out of your own assets.
Directors' and officers' insurance for day care centers can help protect you, paying for defense fees along with damages or settlements if you are liable.