Provider Business Assistance

Center directors and family child care providers will find useful information about the business side of early care and education in this section. Information about program management, financial and tax issues, and insurance is available, along with useful resources and links.

The Business Side of Child Care

Child care is more than caring for children! Successful programs need to have sound business practices as well. CCCB can help programs and providers with resources and training. Two special training series, The Business of Child Care, and the Business of Family Child Care, are offered each year — check our training calendar for more information.

Program Management

The CCCB resource library has resource material for directors who are preparing written policies, creating program budgets, developing marketing plans, and searching for child care management software to organize their record-keeping and billing systems. Books, videos and guides are available to help design classroom environments, plan parent meetings, and develop staff training programs.

Family Child Care Business and Taxes

Family child care providers have many business needs. CCCB has books in our Resource Library and for sale in our office that can help with creating parent contracts, marketing, and taxes and record-keeping. CCCB offers tax planning workshops each year for providers.

Accident and Liability Insurance for Your Program

Accident and liability insurance are important to safeguard your child care business! Insurance will protect your program in case a child is hurt while in your care.

Insurance Agencies with Child Care Experience:

CCCB can provide programs with information about insurance agencies that specialize in working with child care programs.

Accident Insurance:

Accident insurance pays for a child's medical bills if hurt while in your care. The cost (premium) is based on the number of children in your program, and is fairly inexpensive.

Liability Insurance:

Liability insurance protects you and your program or center if you are sued because a child is injured. Liability insurance is more expensive than accident insurance, and cost varies based on what 'events' are covered and what is excluded, and the limits of payment per claim.

Homeowner's Insurance:

Family child care providers can also purchase a 'rider' (additional coverage) on their homeowner's insurance to cover their child care program. Many homeowners' insurance policies specifically state that they do not provide coverage for family child care — it is important to check with your insurance agent before you open your child care program. Homeowner's insurance will probably not cover you as completely as liability insurance.

If You Rent:

Sometimes landlords will prohibit you from operating a family child care program because they are concerned about liability. You can talk with your landlord about paying him/her for additional liability insurance to cover the child care program.