The Risks of Operating a Daycare Without Insurance

Posted on November 28, 2025November 18, 2025 by admin

If you own or manage a daycare or are considering starting one, it is essential to obtain the right commercial insurance. Here’s why.

The Perils of an Uninsured Daycare

Some Monroe, GA, daycares are uninsured. The facilities that are uninsured also tend to be unlicensed. If something were to go wrong at an uninsured daycare, the owner would be in a bind.

The failure to insure a daycare can lead to a lawsuit after an on-site injury. Daycare owners can be sued for medical bills, the cost of therapy and other expenses causally related to the incident.

The financial burden of such a lawsuit can lead to business closure. Closing the business means the permanent loss of revenue and a financial hole that you might not be able to recover from. Atkinson Casey Agency is here to prevent that outcome.

Different Types of Commercial Insurance

A child, parent, visitor, or employee could be injured on-site even after you’ve taken all the necessary precautions. Business liability insurance covers child, parent, and visitor injuries.

Workers’ compensation insurance protects against potential losses resulting from an employee being injured at your daycare. This form of insurance prevents a financially crippling worker lawsuit.

Errors & Omissions insurance safeguards against claims that mistakes or negligent acts were made by staff members. Even a claim of insufficient supervision could lead to a costly injury.

Get a Quote From Atkinson Casey Agency

We are an independent insurance agency, which means we work for you, not the insurance company. We’ll shop for quotes from multiple carriers to get you the best coverage and rates for your daycare. Contact us. We’re currently serving Monroe, GA.

Breaking Down the Fine Print: Common Home Insurance Terms Explained

Posted on October 31, 2025October 22, 2025 by admin

Home insurance policies are filled with terms that can be confusing for new and even experienced homeowners. When you become familiar with these terms, you can better choose coverage that meets your unique needs. Serving Monroe, GA, and the surrounding areas, Atkinson Casey Agency offers home insurance coverage solutions designed to keep you financially protected.

Dwelling Coverage

This is the core of your home insurance policy. This type of coverage protects the home’s structure, including walls, roof, and floors, from covered perils like fire, hail, and windstorms. Knowing your dwelling coverage limit ensures you can repair or rebuild your home if a disaster strikes.

Personal Property Coverage

Personal property coverage protects the belongings inside your home, from furniture and electronics to clothing and jewelry. Standard policies cover most items, but high-value possessions may require an add-on, or endorsement, for full protection.

Liability Coverage

This type of coverage protects you if a person is injured on your property or you’re found at fault for damage to another person’s property. It helps pay for medical bills, legal fees, and settlements, providing financial protection from unforeseen incidents.

Deductible

Your deductible is the amount you must pay out of pocket before your insurance company will pay for a claim. Selecting the right deductible balances your monthly premium with your potential out-of-pocket costs in the event of a claim.

Additional Living Expenses

Additional living expenses coverage helps with temporary living costs if your property becomes uninhabitable. This includes hotel stays, meals, and other expenses while repairs are underway.

Keep Your Home Protected

When you understand common terms found in standard home insurance policies, you can ensure that your Monroe, GA, home and belongings stay protected. To review your policy or add coverage, contact Atkinson Casey Agency.

The Role of Uninsured and Underinsured Motorist Coverage

Posted on September 30, 2025September 23, 2025 by admin

Every time you get behind the wheel, you’re trusting that other drivers have enough insurance to cover the consequences of an accident. Unfortunately, many don’t. In Georgia, uninsured and underinsured motorist coverage is designed to protect you when the other driver is unable to provide coverage. Your insurance representative at Atkinson Casey Agency, serving Monroe, GA, explains.

Why Uninsured and Underinsured Coverage Matters

Accidents are stressful enough without discovering that the at-fault driver has little or no insurance. Repair bills, medical expenses, and lost wages can quickly add up, leaving you financially vulnerable. Uninsured motorist coverage helps when the at-fault driver has no insurance, while underinsured motorist coverage steps in when their policy limits fall short of covering your costs.

How This Coverage Works

Imagine a collision where the other driver is clearly at fault. Their insurance might only cover a fraction of your hospital bills or vehicle repairs—or they may not have insurance at all. Instead of draining your savings or facing debt, your uninsured or underinsured motorist coverage bridges the gap. It acts as a financial safety net, ensuring you’re protected when you need it most.

An Added Layer of Security

Georgia drivers know that the roads can be unpredictable. Having uninsured and underinsured motorist coverage is about ensuring financial security. This coverage means you don’t have to rely on another driver’s preparedness, or lack thereof, to protect yourself and your family.

While uninsured and underinsured motorist coverage may not always be the focus of an insurance plan, it plays a crucial role in providing complete protection. Adding this coverage to your policy safeguards you against one of the most common and costly gaps on the road. Have questions about this coverage? Contact your insurance representative at Atkinson Casey Agency, serving Monroe, GA, today to learn more about our services.

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