Coverage
Daycare Insurance Coverages
Most childcare businesses combine several policies. Here is what each one is designed to do, so you can see how they fit together. Coverage options vary by insurer and state.
Coverage for childcare businesses
New to this? Start with our daycare insurance guide or the coverage checklist by type of program.
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General Liability
Protection for third party injury and property damage claims, such as a parent who slips at pickup.
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Abuse and Molestation
Defense and liability coverage for allegations of abuse, which many general liability policies exclude.
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Professional Liability
Coverage for claims that the care itself fell short, such as improper supervision or a missed allergy.
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Business Owners Policy (BOP)
A package that may combine general liability, property, and business income for eligible childcare businesses.
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Workers Compensation
Medical bills and lost wages for employees hurt on the job, from lifting injuries to illness exposure.
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Commercial Property
Coverage for your building, classroom furniture, equipment, and supplies after a covered loss.
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Business Income
Helps replace lost income and pay ongoing expenses if a covered loss forces you to close temporarily.
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Commercial Auto
Coverage for vans and vehicles used for pickups, drop offs, and field trips.
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Umbrella
Additional liability limits that sit above your general liability, auto, and employer liability policies.
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Cyber
Help responding to data breaches, ransomware, and payment fraud involving family and staff records.
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Accident Medical
Pays medical expenses for an injured child regardless of fault, often before a claim turns into a lawsuit.
Guides that help you choose
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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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How Much Does Daycare Insurance Cost?
What drives daycare insurance pricing, and how to keep premiums reasonable without leaving gaps.
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Daycare Insurance Requirements
Where insurance requirements come from, and how to confirm the ones that apply to your program.
Daycare Insurance Made Simple
Talk to a daycare insurance specialist
Tell us about your program and we will review coverage options with you. Every childcare business is different, so we start with how yours actually operates.