Child Care Insurance

Child care insurance helps cover your business so you can care for them.

Get coverage to protect what matters most from the start with child care insurance.

Insurance helps cover the risks of child care.

All businesses need insurance for their building, business property, and other equipment. Child care businesses have additional insurance needs that relate directly to the care they provide and the young population that they serve. Whether you run your business from your home or a commercial building, consider coverage that’s specific to your needs.

What is covered by a child care policy?

Child care insurance provides coverage for business property and liability, with the availability of coverage options for your unique risks. For example, young children are more likely to fall or get injured than adults or even school-aged children. Therefore, having protection for the injuries of the students as well as liability protection for the workers in case of a negligence suit may protect against financial losses. Other coverage options you may want to consider in your child care insurance policy include:

  • Abuse and Molestation Liability
  • Business Auto
  • Commercial Property
  • Employment Practice Liability
  • Hired and Non-Owned Auto Liability
  • Professional Liability
  • Student Accident Liability
  • Workers’ Compensation


Coverage that’s unique to the child care industry.

Child care must also insure against damage to the center or any of its property and equipment, including outdoor play structures and toys. Child care that provide transportation for students need proper business auto coverage for either a center-owned van or a worker’s own vehicle. Abuse and molestation liability coverages are essential when working with a young population.

The business side of child care centers.

Your child care center is more than just a place for learning or simply a daycare, it’s also a business. That means in addition to the coverage specific to child care centers and daycares, there are other business insurance coverages you may want to consider, such as workers’ compensation, employment practice liability, employee dishonesty, and cyber liability.

Are you looking for child care insurance to safeguard your business so you can keep teaching and watching over the children under your care? Contact us to go over the insurance needs of your child care center.

Why We're Different

While insurance products may seem similar, they are vastly different, especially in the commercial insurance market. The lowest price may cost you in the end.

Since there is no such thing as a one size fits all insurance policy as independent insurance agents, we offer multiple companies to give you choice.

Contact us today to learn more!