When a child is injured in Hope Mills, NC, it can be a problem for every individual involved in the situation. Even though a child may be staying in a day care facility, the liability of an accident may or may not be applied to the child care program.

Permission from Parents

Children who are staying in a home day care may not have the same treatment as children who stay in a child care facility. The day care provider may ask parents if it is appropriate for their children to play with the neighbor’s children or the neighborhood children.

If parents have given their permission for their child to play with local children and visit their homes while they are under the care of a home day care program, then the liability of an injury may fall to the neighbor’s home insurance policy.

Day Care Responsibility

Even though the injuries may be handled by the insurer of the homeowner, a day care is responsible for the children. That means that parents may decide to sue the facility. If the parents of a child decide to sue the day care, then the insurance policy will usually help pay for any settlement, fees and associated costs of the injury. In some cases, the liability plan may cover any additional costs associated with the injury if the neighbor’s plan has a limited amount of coverage.

Nobody wants to discover that their child or children were injured at day care, but the situation can determine the responsible individual and the policy that will pay for the medical bills. Contact us to talk to an agent for more details about protecting your home business.