Insurance for daycare & childcare
Caring for children brings unique liability, and many standard policies limit the coverages childcare centers need most.
Risks worth reviewing
- Injuries to children in your care
- Allegations of abuse or neglect
- Staff injuries
- Vehicles used for field trips or pickups
Coverage businesses like yours often review
- General liability
- Professional liability
- Workers' compensation
- Property & equipment
- Commercial auto
- Umbrella & excess
- Abuse and molestation coverage
Common questions
Is abuse and molestation coverage included?
Many policies exclude it or offer it separately with its own limit, so it's an important item to confirm.
Do home-based daycares need business coverage?
A homeowners policy often limits or excludes business activity, so home daycares usually need coverage built for the business.
General information only. Every business is different, and coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits.