Preparing for the New Year: Insurance Checklist for Houston Child Care Centers

As 2026 arrives, it’s a good time for Houston child care center owners and administrators to review their organization’s insurance coverage. While providing valuable services in communities, these businesses also often face unique risks. At Devco Insurance Services, we take it upon ourselves to help local child care centers understand their business insurance needs and secure optimal coverage portfolios for the year ahead.

Why an Annual Insurance Review Matters

Child care centers often face a range of risks, from property damage to liability claims. Regulations and business needs can change year to year, making it essential to keep your insurance policies up to date. An annual review helps identify coverage gaps, adjust for changes in enrollment or staffing and verify compliance with relevant requirements.

Essential Insurance Checklist for Houston Child Care Centers

As you prepare for the new year, consider the following steps:

• Review Your Liability Coverage
• • General liability insurance can financially protect against claims of bodily injury or property damage on your premises.
  • Professional liability insurance can cover allegations of negligence or errors in the care you provide.
  • Abuse and molestation coverage may be essential for child care centers to address sensitive risks.
• Evaluate Property Insurance
• • Confirm that your building, equipment and playgrounds are adequately covered for fire, storms, theft and vandalism.
  • Update your policy if you’ve made renovations or added new assets.
• Assess Workers’ Compensation Needs
• • Although not all employers in Texas are required to carry workers’ compensation insurance, doing so may still be valuable for your business and employees.
  • If you already have coverage, make sure your policy reflects any changes or expansions in your staff.
• Consider Additional Coverages
• • Commercial auto insurance is essential and likely required by law if you transport children using cars, vans, buses or other vehicles.
  • Cyber liability insurance can financially protect against data breaches and cyber threats, which are increasingly relevant for businesses handling sensitive information.

How Our Team Can Help

At Devco Insurance Services, we have ample experience helping our community’s child care centers assess and manage their insurance needs. Our team can review your current policies, recommend updates and answer questions about relevant regulations and risk management strategies.

Contact us today to schedule an insurance review and verify that your organization is suitably covered for the year ahead.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.