Insurance for Childcare Centers
Explore insurance questions for your childcare or daycare center’s supervision, activities and employees.
Online quotes depend on eligibility and underwriting.
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A childcare center is not an ordinary storefront
Ages served, attendance, supervision and the activities offered all matter. Explain indoor and outdoor play, outings and any transportation rather than relying on a generic business category. Insurance does not replace childcare licensing or operating requirements.
Ask the specialist questions directly
Discuss professional liability, abuse and molestation coverage questions and the way participant injuries are treated. These are not promises that a particular policy includes them. Employee injuries, property and business vehicles remain separate considerations, and exclusions need careful attention.
Coverage to consider
General liability: Customer injuries and damage to another person’s property raise liability questions. Review the covered operations, limits and exclusions.
Workers’ compensation: Employee injuries require their own discussion. Explain the duties performed and review applicable requirements before hiring or changing work.
Business Owner’s Policy: A BOP combines liability and property coverage for eligible businesses. Review the property included, covered causes of loss and any business-income conditions.
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Coverage depends on the policy’s terms, limits and exclusions. An inquiry or online quote does not put coverage in force.
Common questions
Is a home daycare treated the same as a childcare center?
Not necessarily. Describe whether care is provided in a home or a commercial center, the ages served and your licensing status; the setting can affect eligibility and coverage questions.
Should outings and transportation be disclosed?
Yes. Explain who supervises, who drives and which vehicles are used.
Does a general business policy automatically include abuse and molestation coverage?
No. Ask about that coverage specifically and review the applicable terms and exclusions.