How to Get Insurance for a Daycare
Getting daycare insurance goes faster when you know what underwriters ask and have the answers ready. Here is the process, start to finish, from the owner's side of the desk.
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The Daycare Insurance Blog
Straight answers and practical how-to guides for childcare owners and directors. General information, written by a team that focuses on childcare insurance.
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How to Compare Daycare Insurance Quotes
The lowest premium is not always the best value. Here is what to look at, line by line, when comparing quotes for your childcare program.
Starting a Daycare: Insurance Checklist Before You Open
Insurance decisions show up at almost every stage of opening a childcare program. This timeline shows what to handle when, so nothing holds up your opening day.
Workers Compensation for Daycare Employees
Childcare is physical work. Here is how staff injuries happen, what to do the day someone gets hurt, and how payroll reporting and prevention shape your workers compensation.
Insurance for Transporting Daycare Children
Children end up in vehicles more ways than most owners realize. Here is how to map your transportation, close the common gaps, and give your insurer an accurate picture.
Why Incident Reports Matter for Daycare Insurance Claims
The incident report you write today is often the most important document in a claim file months or years later. Here is what a useful report includes.
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In-depth daycare insurance guides
Our most requested explainers, answering the questions owners ask before they buy.
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How Much Does Daycare Insurance Cost?
What drives daycare insurance pricing, and how to keep premiums reasonable without leaving gaps.
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What Insurance Does a Daycare Need?
A practical checklist of coverages by type of childcare operation.
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Daycare Liability Insurance
The liability coverages a childcare business should understand, and the gaps owners most often miss.
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Daycare Insurance Requirements
Where insurance requirements come from, and how to confirm the ones that apply to your program.
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Does a Home Daycare Need Insurance?
Why running a daycare from home creates risks your personal policies were not built for.
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Does Homeowners Insurance Cover a Daycare?
How homeowners policies typically treat home businesses, and what to ask your insurer.
Topics
Browse by topic
New articles are added as they are written and reviewed. We publish only content that is genuinely useful.
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Daycare Insurance
How daycare insurance works, what it costs, and how to compare coverage for your program.
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Starting a Daycare
Insurance and risk steps for opening a childcare center or in-home daycare.
1 article -
Risk Management
Policies, documentation, and habits that reduce claims and keep coverage affordable.
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Child Safety
Supervision, abuse prevention, playground safety, and everyday safety routines.
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Employee Safety
Reducing lifting injuries, slips, and illness exposure for teachers and staff.
1 article -
Claims Prevention
Incident reporting, record keeping, and what to do when something goes wrong.
1 article -
Property Safety
Protecting your building, equipment, and records from fire, water, weather, and theft.
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State Guides
State by state guidance for childcare businesses, with official sources.
Coming soon
Daycare Insurance Made Simple
Have a question about your coverage?
Talk with a childcare insurance specialist. We work with multiple insurance markets to compare options for your program.