Caring for someone else’s child is a tremendous responsibility. Whether you run a daycare out of your home or in a commercial space, there’s always the possibility of a child being injured. Business insurance provides peace of mind and financial protection from injuries, lawsuits, and accidents.
These insurance policies cover the most common risks of child care.
General liability insurance covers basic small business risks, including accidental injuries. Bundle it with property insurance for savings in a business owner’s policy.
A business owner’s policy bundles general liability and property insurance in one plan. A BOP is often the most cost-effective commercial child care insurance policy.
This policy covers legal defense costs if a child care provider is sued for a mistake, such as lack of supervision that leads to an injury. It's also called errors and omissions insurance (E&O).
Directors and officers insurance (D&O) protects board members against legal expenses if they are sued for a decision made on behalf of your child care business.
Most states require workers' comp for child care centers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy provides property and liability coverage for accidents involving business-owned vehicles. Each state has its own requirements for auto liability insurance.
It's easy to get home child care and daycare business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your daycare facility, whether you work independently or hire employees.