Texas childcare centers face soaring insurance costs as insurers leave the market

Spend a few minutes in a room full of toddlers and it’s easy to understand why running a childcare center comes with risks.

At Happy Days School in Garland, toddlers chase balloons across a small classroom as director Delia Merritt reminds them to share and keep their hands – and teeth – to themselves.

“No ma’am,” Merritt gently scolds the 16-month-old baby who bit her classmate…

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