Most accidents at daycare happen because of lack of supervision, on the playground or inside. Children should always be supervised -- ideally you should look for a provider with a child-to-staff ratio of 3:1 for infants, 4:1 for 2-year-olds and 7:1 for 3-year-olds.
No matter how much you try, though, every parent knows you just can't protect kids from the occasional accident on the playground or at daycare -- or anywhere for that matter. Teaching kids how to keep themselves safe at daycare and avoid taking unnecessary risks may help. However, unsafe premises, inadequate security and lack of supervision are serious problems and should be immediately addressed.