School & Daycare Insurance2021-10-08T11:08:04-04:00

School & Daycare Insurance

School & Daycare Insurance

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Save up to 37% with Fearnow Insurance

Over 20% of greater Tampa’s population is under age 18, meaning there’s lots of demand for childcare and educational services. The area is home to a large public and private school network. In fact, the Hillsborough County public school system ranks as one of the best large school districts in America.

All educational institutions, large and small, need appropriate insurance coverage. Still, each establishment faces various insurance risks, and therefore needs particular coverage. Come to Fearnow Insurance, and you’ll get expert services from a community-focused agency. Our expert agents know just what to do to provide educational institutions with appropriate policies at budget-conscious prices.

Coverage for Schools and Childcare Centers of All Sizes

All schools have goals of influencing children’s lives in safe, nurturing environments. Still, high schools are different from daycares. Home daycares are different from commercial daycares, and private high schools are different from public schools.

So, when you set out to insure your school, you need to tailor your policy explicitly to that institution. Fearnow Insurance’s policies can help numerous institutions get covered, including:

  • Public schools
  • Private institutions
  • Daycares
  • Homeschools

What Our Customers Say:

I recently purchased a new vehicle and spoke with Ms. Michelle Mohler regarding switching over my auto insurance. Michelle was very friendly, knowledgeable and quick to handle my requirements. Additionally, she was able to help me reduce my property insurance by making several suggested changes to my policy. Overall, a great experience with this dedicated insurance agent.
Mike Naugle
13:31 15 Jan 22
Joe Boyle is amazing. He helped us get home owners insurance and flood insurance on our new home. He is very knowledgeable, super responsive, and a true professional.We couldn't have gotten this house without him. He went out of his way to answer any questions that any party involved had. If there was a 10 star rating I would choose that. Thanks a lot Joe! We truly appreciate you!
Josh Thomas
20:16 12 Jan 22
I highly recommend Fearnow insurance. They will find you the lowest quote you can possibly get. I have had plenty of representatives help me with my insurance there but if you ask for Matt he will be sure to go out and behind for you and find exactly what you are looking for!! He totally treats you like family. You Can’t go wrong with them!
M.A.
18:48 11 Jan 22
Joseph Went beyond callTo make sure I got decent coverage and a great rate.Even assisted with the cancellation of my previous policy.
Tommy Tarbox
22:11 03 Jan 22
My name is Hope and I had the pleasure of speaking with Mr. Joe Boyle. Joe thank you for my auto quote and the through explanation of benefits and what Progressive has to offer.Joe, you relieved my fears about car insurance for my daughter. I have been in fear for over 6 months and TODAY, I finally feel relieved. I hired an attorney, and I still was not fully satisfied with their answer. No more tears, after today. Joe, I thank God that you were on the other end of the call.Joe, you were my Angel today. Please continue to do great work, great customer service and thanks for letting me vent without interruptions.In my line of work, I hope our paths never cross (Process Server) "God in me, Loves you"Hope G.
Hope Goodwin
18:17 03 Jan 22
I had the pleasure of working with Joe at Fearnow Insurance. He was resourceful, helpful, and a great communicator. Joe went above and beyond to help me as his client. I would recommend contacting Joe to assist you in finding the best insurance plan!
Laura Watson
23:01 29 Dec 21
Joe Boyle was excellent. He is very knowledgeable & was able to help us save almost $1000 per year on our auto insurance. I would recommend this company to anyone looking to cut their insurance expenses.Fearnow & Joe Boyle strike again. My home owners insurance was not going to be renewed in April. Joe was able to get me not only a $700 a year savings but better coverage.Also my auto renewal went down another $800 this year. Amazing!!!
Kim Aldridge
13:07 20 Dec 21
I requested a Homeowners Insurance quote online and my agent Taunya contacted me and within minutes I had a brand new policy with a nearly 40% decrease in premium from my existing Insurance Company. Taunya was professional, knowledgeable, patient and efficient. She exceeded my expectations and made the process seamless and effortless. I would highly recommend Fearnow Insurance to my friends and family without hesitation! Thank you again for such a wonderful experience:)
Dorothy Aiken
00:11 13 Nov 21
Joe with Fearnow was great. Got us a great rate on auto and home. We are saving just over $100 a month just in our auto from our previous carrier USAA. Everything was done by phone and electronic. Fast service, seamless communication, great value. If you want to save money, highly recommend calling Joe for all your insurance needs!
KB T
17:26 05 Nov 21
I work with Lydia Bobek on my homeowners insurance that had unexpectedly been canceled. She was quick to respond and help me secure a new policy in just a few quick hours. Excellent customer service!
Samson Lewis
21:31 28 Oct 21

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

In any setting, insurance is supposed to cover the financial losses you might face from numerous challenges that impact your ability to provide your services. You have to use this coverage to protect others’ investments in the school, and your investments in others.

Think of it this way: Schools might receive money from the State of Florida, the federal government and countless local supporters. They also support a diversity of people, properties and other assets. Your insurance is supposed to ensure that all your financial investments and assets remain secure at all times.

Local & Family Owned

Offices serving the local Tampa, FL and Wilson, NC areas for almost 30 years!

Competitive pricing nationally with world-class customer service!

What policies do I need?

Any school faces unique property, personnel and liability risks. That merits the need for numerous insurance options, such as:

  • Property Coverage: This coverage can insure school properties and contents inside following covered incidents like fires, storms, falling objects or vandalism.
  • Crime Coverage: This is coverage for losses from instances like theft or vandalism, if committed by school employees or total strangers.
  • Equipment Breakdown: In case of failures in critical systems, like your electrical or HVAC setups, then this coverage can pay for the repairs or replacements.
  • General Liability: Coverage usually insures you against bodily injuries and property damage that the school’s negligence might accidentally cause to other people.
  • Medical Accident Coverage: If someone gets hurt on the premises, this coverage can help you pay for their medical costs, even if you were not liable for the accident.
  • Professional Liability: Also called E&O insurance, this coverage can pay in case your counseling or advice causes harm to someone else.
  • Employment Practices Liability: If an employee alleges discrimination, harassment or related actions by the school, this coverage can apply.
  • Directors & Officers Coverage: In case a director in the school faces a personal liability challenge, this coverage can apply explicitly to them.
  • Abuse Liability Coverage: This coverage can apply in cases when allegations of abuse arise that target one of the school’s insured parties.
  • Cyber Liability Coverage: Computer data theft and losses could cost the school a lot of money. This coverage can pay for the costs of recovery.
  • Commercial Auto Insurance: You usually must insure school vehicles, buses included, with this coverage. Employees who drive their own vehicles on business errands may also need coverage.

In the end, our goal is to help you have enough coverage for your school’s financial security in case even a rare challenge arises. So, talk to us in-detail about your institution, and we’ll make sure you protect it.

Do I need employee benefits?

If you employ a staff, then you will probably have to provide them with certain benefits, such as:

  • Workers’ Compensation
  • Group Health Policies
  • Group Life Insurance
  • Group Umbrella Coverage

In some cases, certain employee benefits, namely workers’ compensation, are legally required by Florida law. Health insurance is also a requirement, by law, for businesses over a certain size. Our agents are more than happy to help you establish both the necessary coverage, and increase it to your satisfaction.

How Can You Help Me?

Any school faces numerous regulations and safety standards they must meet. Still, they also are wise to reach above this benchmark to create better protection for their visitors. Your insurance policy is just one of those solutions. Fearnow Insurance’s unique policy solutions can help you obtain effective coverage whenever your educational institution needs it.

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