Daycare & Childcare Insurance

Core coverages

• General liability with abuse & molestation coverage — the line item that makes or breaks a childcare policy
• Professional liability — supervision and care decisions
• Accident medical — covers a child's medical bills regardless of fault, which keeps small incidents from becoming lawsuits
• Commercial property — building, playground equipment, contents
• Workers comp — your staff, required in most states once you hire

What drives your rate

Licensed capacity and enrollment, ages served (infant rooms price differently than school-age), transportation of children, playground equipment, and your state's licensing tier. Home-based daycares are usually far cheaper to insure than owners expect — often less than a single week's tuition.

Why agents pass — and we don't

Many standard business policies quietly exclude abuse and molestation coverage or cap it so low it's meaningless. We place childcare risks with carriers that specialize in them — so the coverage you think you have is the coverage you actually have.