Business Insurance for Daycare Centers

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Child Day Care Centers (For Profit)
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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.

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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 provide coverage for 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.

BEST FOR
  • 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.

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

Professional liability insurance

Also called errors and omissions insurance, this policy covers expenses if child care providers are sued for mistakes or oversights, such as lack of supervision that leads to injury.

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

Directors and officers insurance

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

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

Workers’ compensation insurance

Workers' comp is required in almost every state for child care centers with employees. This policy can help pay medical costs and partial lost wages for work injuries.

BEST FOR
  • 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.

BEST FOR
  • 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?

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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
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Child Day Care Centers (For Profit)