Are Daycares in Waco, Texas, Legally Required to Have Insurance? What Parents Should Know  

When parents drop their children off at daycare in Waco, Texas, they do more than hand over a diaper bag and lunchbox. They’re placing an incredible amount of trust in someone else to keep their child safe. Most of the time, that trust is earned and kept. But when something goes wrong and a child is injured due to a caregiver’s negligence, families often find themselves facing not just emotional heartbreak but unexpected medical bills and challenging questions about accountability.

One of the first concerns we hear from parents at Bivona Law Firm is whether the daycare has insurance. It’s a fair question and an important one. In Texas, daycare facilities are not strictly required by law to carry liability insurance. That’s right—a business entrusted with caring for children daily can operate without insurance covering injuries or negligence, as long as it discloses this fact in writing to the parents.

For many parents in Waco, that’s a startling realization. The lack of mandatory insurance exposes families to financial risk in the event of a serious injury. When a daycare carries liability insurance, it can help cover things like emergency medical treatment, ongoing rehabilitation, emotional trauma, and pain and suffering, all of which can arise from an accident caused by unsafe conditions, lack of supervision, or staff misconduct. Without insurance, families may be forced to pursue compensation directly from the daycare’s assets, which can be limited or hard to recover.

At Bivona Law Firm, we help Waco families understand their rights in daycare injury cases. We’re not just attorneys, we’re parents too, and we know how scary it is when your child is hurt and you feel like the system is working against you. We approach every case with deep compassion, personal attention, and an unwavering commitment to getting answers and justice.

If your child was injured at a daycare, whether it was a licensed center, an in-home provider, or a church-based program, you have the right to know whether they carried insurance and what that means for your legal options. Even if they claim you signed a waiver or try to minimize the severity of the injury, we can help you uncover the truth and take action.

Your child’s safety is non-negotiable. If a daycare facility failed to protect them, the presence or absence of insurance should not determine whether your family receives justice. Let us walk you through your options, explain what your case may entail, and fight for the accountability your family deserves.

If your child has been injured at a daycare in Waco, call Bivona Law Firm today. We offer free consultations and will help you take the next step with confidence. Because every child deserves to feel safe, and every parent deserves peace of mind.