--- title: DayCareSpotter | BuildingMetrix description: Daycares are popular among families as a viable childcare option, increasing exposure for insurance companies --- [![Go to WSRB](https://www.buildingmetrix.com/hs-fs/hubfs/buildingmetrix/test%20images/inactive-WSRB.png?width=120&height=21&name=inactive-WSRB.png "Go to WSRB")](https://www1.wsrb.com/) ![Go to BuildingMetrix](https://www.buildingmetrix.com/hs-fs/hubfs/BuildingMetrix/images/logo/BuildingMetrix_Primary_Color_White.png?width=140&height=23&name=BuildingMetrix_Primary_Color_White.png "Go to BuildingMetrix") [![BuildingMetrix_Tagline_Color](https://www.buildingmetrix.com/hs-fs/hubfs/buildingmetrix/logo/BuildingMetrix_Tagline_Color.png?width=200&height=40&name=BuildingMetrix_Tagline_Color.png "BuildingMetrix_Tagline_Color")](https://www.buildingmetrix.com/) ** ** [![CREATE AN ACCOUNT](https://no-cache.hubspot.com/cta/default/2459360/9813bb99-bbd6-41d2-8a6f-dcf35fa5352e.png)](https://cta-redirect.hubspot.com/cta/redirect/2459360/9813bb99-bbd6-41d2-8a6f-dcf35fa5352e) [![LOG IN](https://no-cache.hubspot.com/cta/default/2459360/ebfc0b19-0406-4afd-9c46-c19c57a79fe3.png)](https://cta-redirect.hubspot.com/cta/redirect/2459360/ebfc0b19-0406-4afd-9c46-c19c57a79fe3) ** #### [About the Company ](https://www.buildingmetrix.com/about) Who we are and how we help property insurers and agents throughout the U.S. #### [CEO Perspective](https://www1.wsrb.com/ceo-perspective-wsrb) Engaging thought leadership on key insurance industry issues from our CEO.  #### [Meet the Team](https://www1.wsrb.com/meet-the-team) Get to know the team of property insurance experts at WSRB, our parent company.  #### [InsuranceEDGE](https://insuranceedge.wsrb.com) Keep up with changes in the P&C industry with our weekly newsletter.  --- #### [Underwriting Guide to Cannabis & Hemp ](https://www.buildingmetrix.com/cannabis-and-hemp) An underwriter’s guide to risk and how to protect against it. #### [BuildingMetrix Blog](https://www.buildingmetrix.com/blog) Learn about key insurance trends and how data helps you navigate them.  --- #### [Agency Guide to Earthquakes](https://www.buildingmetrix.com/agent-earthquake-guide) Help your customers understand and be covered for earthquake risk.   #### [Case Studies](https://www.buildingmetrix.com/case-studies) Discover customer success stories powered by BuildingMetrix solutions. --- #### [A Guide to Geospatial Technology](https://www.buildingmetrix.com/geospatial-tech-guide) Harness the latest tools to achieve your underwriting goals.   #### [Help Center](https://help.wsrb.com/) Get step-by-step how-to articles on all BuildingMetrix data products. ---   [![BuildingMetrix_Tagline_Color](https://www.buildingmetrix.com/hs-fs/hubfs/buildingmetrix/logo/BuildingMetrix_Tagline_Color.png?width=200&height=40&name=BuildingMetrix_Tagline_Color.png "BuildingMetrix_Tagline_Color")](https://www.buildingmetrix.com/) [![CREATE AN ACCOUNT](https://no-cache.hubspot.com/cta/default/2459360/9813bb99-bbd6-41d2-8a6f-dcf35fa5352e.png)](https://cta-redirect.hubspot.com/cta/redirect/2459360/9813bb99-bbd6-41d2-8a6f-dcf35fa5352e) [![LOG IN](https://no-cache.hubspot.com/cta/default/2459360/ebfc0b19-0406-4afd-9c46-c19c57a79fe3.png)](https://cta-redirect.hubspot.com/cta/redirect/2459360/ebfc0b19-0406-4afd-9c46-c19c57a79fe3) ** ** ** #### [About the Company ](https://www.buildingmetrix.com/about) Who we are and how we help property insurers and agents throughout the U.S. #### [CEO Perspective](https://www1.wsrb.com/ceo-perspective-wsrb) Engaging thought leadership on key insurance industry issues from our CEO  #### [Meet the Team](https://www1.wsrb.com/meet-the-team) Get to know the team of property insurance experts at WSRB, our parent company  #### [InsuranceEDGE](https://insuranceedge.wsrb.com) Keep up with changes in the P&C industry with our weekly newsletter.  --- #### [Underwriting Guide to Cannabis & Hemp](https://www.buildingmetrix.com/cannabis-and-hemp) An underwriter’s guide to risk and how to protect against it. #### [BuildingMetrix Blog](https://www.buildingmetrix.com/blog) Learn about key insurance trends and how data helps you navigate them. --- #### [Agency Guide to Earthquakes](https://www.buildingmetrix.com/agent-earthquake-guide) Help your customers understand and be covered for earthquake risk.   #### [Case Studies](https://www.buildingmetrix.com/case-studies) Discover customer success stories powered by BuildingMetrix solutions. --- #### [A Guide to Geospatial Technology](https://www.buildingmetrix.com/geospatial-tech-guide) Harness the latest tools to achieve your underwriting goals.   #### [Help Center](https://help.wsrb.com/) Get step-by-step how-to articles on all BuildingMetrix data products.  --- #### [A Guide to Wildfire Risk](https://www.buildingmetrix.com/wildfire-hub) Everything you need to know about managing this growing risk. Search **Search filters** Website pages Blog posts Help Center articles Include results from WSRB.com ![buildingmetrix-primary-color-white](https://www.buildingmetrix.com/hs-fs/hubfs/buildingmetrix/images/logo/buildingmetrix-primary-color-white.png?width=200&height=33&name=buildingmetrix-primary-color-white.png "buildingmetrix-primary-color-white") ** ** # Reveal Daycare Risk With Ease ##### Manage exposure by illuminating facilities in your book ![child playing game next to smiling teacher with kids at background in home daycare facility](https://www.buildingmetrix.com/hubfs/day-care-image-1.jpg "child playing game next to smiling teacher with kids at background in home daycare facility") ## A growing liability Numerous terms are used interchangeably to describe[ daycare facilities](https://www.buildingmetrix.com/blog/risk-home-daycare), including family childcare providers (FCCs), in-home daycares, home-based daycares, and neighborhood daycares. Regardless of the specific terminology or physical location, these establishments all serve the purpose of providing daytime childcare. All types of daycares are popular childcare options. However, they come with inherent risks. It is crucial for insurers offering coverage for these facilities to have a clear understanding of their risk concentration and to effectively manage their exposure. Utilizing DayCareSpotter empowers you to quickly compare your business portfolio with a database of known daycare addresses, generating a comprehensive list of properties within your book. ## An excess of risk  Even well-run daycares, properly licensed and following all the rules, can encounter accidents. Here are some of the liabilities and risks to be aware of: | ![day-care-icon-1-2](https://www.buildingmetrix.com/hs-fs/hubfs/day-care-icon-1-2.jpg?width=100&height=100&name=day-care-icon-1-2.jpg) Transport liability  For facilities that provide transportation, accidents can and do occur. | ![day-care-icon-2-1](https://www.buildingmetrix.com/hs-fs/hubfs/day-care-icon-2-1.jpg?width=100&height=100&name=day-care-icon-2-1.jpg) Corporal punishment liability This form of punishment is illegal in most states; one infraction can mean trouble. | ![day-care-icon-3](https://www.buildingmetrix.com/hs-fs/hubfs/day-care-icon-3.jpg?width=100&height=100&name=day-care-icon-3.jpg) Abuse and molestation liability Neglect, abuse, and molestation occur with surprising frequency in childcare settings. | | --- | --- | --- | Additional risks include: (1) Unsafe facility environment, (2) lack of proper sanitation and other health concerns, including illness transmission and improper food safety, (3) insufficient nurturing and care, (4) under-trained staff, (5) improper administration of medication, and (6) Sudden Infant Death Syndrome (SIDS).   ![Group of daycare staff with babies in home daycare facility](https://www.buildingmetrix.com/hubfs/day-care-image-2.jpg "Group of daycare staff with babies in home daycare facility") ## Proactively address exposure Providing coverage to daycare facilities can lead insurance companies into complex legal challenges, especially when dealing with a large number of facilities. Identifying daycare facilities in your portfolio usually involves gathering data on all facilities in each state of operation and carefully evaluating each policy based on this information, a time consuming operation. DayCareSpotter simplifies this process. When you provide us with your list of addresses, we compare them against our regularly updated database of comprehensive daycare data. Save valuable time searching for relevant information and dedicate more time to assisting customers in obtaining the necessary coverage while mitigating risks to your business. ## Successfully identify daycares Illuminate exposure within your book of business ### Want to check out our other tools? We offer a range of data products to help you make better underwriting decisions or grow your agency. 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