Business Insurance for Daycare Centers

Compare multiple quotes from top carriers with one application.
What kind of work do you do?
Large pile of plastic building blocks.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

Save money by comparing daycare insurance quotes

An accident that injures a child in your care or an allegation of negligence could lead to a costly lawsuit. Daycare insurance policies can cover unexpected medical costs, legal expenses, and more.

Children playing with blocks and painting at a daycare center.
Compare insurance quotes icon

Choose the best rate and coverage

Insureon helps daycare centers compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance coverage do daycare centers need?

These policies cover the most common child care business risks.

General liability insurance icon

General liability insurance

General liability insurance covers common risks, such as playground injuries. Bundle with property insurance for savings in a business owner’s policy.

  • Bodily injury lawsuits
  • Property damage lawsuits
  • Libel and slander lawsuits
Business owner’s policy icon

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.

  • Bodily injury lawsuits
  • Property damage lawsuits
  • Damage to daycare property
Professional liability insurance icon

Professional liability insurance

This policy covers expenses if child care providers are sued for a mistake, such as lack of supervision that leads to an injury. It's also called errors and omissions insurance (E&O).

  • Accusations of negligence
  • Lack of supervision
  • Oversights in background checks
Directors and officers insurance icon

Directors and officers insurance

Directors and officers insurance (D&O) protects board members against legal expenses if they are sued for a decision made on behalf of your small business.

  • Accusations of mismanaged funds
  • Failure to meet regulatory standards
  • Failure to perform official duties
Workers’ compensation insurance icon

Workers’ compensation insurance

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.

  • Employee medical expenses
  • Legal costs
  • Missed wages
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance provides property and liability coverage for accidents involving business-owned vehicles. It also covers vehicle theft and vandalism.

  • Car accidents
  • Vandalism and theft
  • Weather damage
Looking for different coverage? See more policies.

Why do home child care and daycare centers need insurance?

Caring for someone else’s child is a huge liability. Whether you run an in-home daycare center or operate in a commercial space, there’s always the possibility of a child being injured. Daycare business insurance provides peace of mind and financial protection from parent lawsuits and unexpected accidents.

How much does insurance cost for human and social services such as daycare centers?

Person writing on tablet calculating cost of business insurance.

Several factors will have an impact on insurance costs, including:

  • Services offered, such as child care and field trips
  • Business equipment and property
  • Revenue
  • Number of employees
  • Number of children
  • Policy limits and deductibles
View Costs
What our customers are saying
Carousel prev arrow
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Carousel next arrow
Insureon customer reviews on Feefo
Compare insurance quotes for daycare centers
Save money by comparing insurance quotes from multiple insurers.
What kind of work do you do?