Daycare and Childcare Insurance

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Why do daycare centers need insurance?

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.

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Get same-day insurance

With Insureon, daycare providers can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated insurance companies.

What types of insurance coverage do daycare centers need?

These insurance policies cover the most common risks of child care.

General liability insurance icon

General liability insurance

General liability insurance covers basic small business risks, including accidental injuries. Bundle it with property insurance for savings in a business owner’s policy.

  • Bodily injury lawsuits
  • Property damage lawsuits
  • Libel and slander lawsuits
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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
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Professional liability insurance

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).

  • Accusations of negligence
  • Lack of supervision
  • Oversights in background checks
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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 child care business.

  • Accusations of mismanaged funds
  • Failure to meet regulatory standards
  • Failure to perform official duties
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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
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Commercial auto insurance

This policy provides property and liability coverage for accidents involving business-owned vehicles. Each state has its own requirements for auto liability insurance.

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

How much does insurance cost for human and social services?

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A home daycare center will pay less for insurance than a larger business.

Factors that affect premiums include:

  • Services offered, such as sports programs or field trips
  • Number of children supervised
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Deductibles and other coverage options
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How do I get daycare insurance policies?

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

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.

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