Daycare and Home Child Care Insurance

Types of Insurance

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Add-Ons and Bundles

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Glossary -  Condo Insurance

Types of Daycare and Home Child Care Insurance

Commercial General Liability Insurance

Coverage for common risks.


  • Customer-sustained injuries
  • Damaged customer property
  • Advertising injuries

Typical Cost & Factors

  • $750-$1500 per year
  • Depends on coverage needs, staff size


Commercial Property Insurance

Coverage for risks to property.


  • Fires
  • Vandalism and break-ins
  • Water damage

Typical Cost & Factors

  • $500-$900 per year
  • Depends on value of property


Workers’ Compensation Insurance

Coverage for employee injury.


  • Medical bills for job-related illness or injury
  • Wage replacement during recovery time

Typical Cost & Factors

  • $800-$1200 per year
  • Depends on number of workers, level of occupational risk

    Additional Types of Daycare and Home Child Care Insurance

    Professional Liability Insurance*

    Coverage for professionally performed services.


    • Allied negligence
    • Loss of personal information
    • Associated legal fees 

    Typical Cost & Factors

    • $500-$1200 per year
    • Depends on services provided

    *Also called Errors and Omissions Insurance.

    Commercial Auto Insurance

    Coverage for vehicles in company use.


    • Vehicle accidents and break-downs
    • Vehicle theft and physical damage

    Typical Cost & Factors

    • $800-$1500 per vehicle per year
    • Depends on vehicle type, location, and driving history


    Abuse & Molestation Coverage

    Childcare unfortunately comes with the risk of sexual misconduct allegations, which can be devastating to small businesses. Abuse and Molestation Coverage is not always included in professional or general liability insurance, but can be added on to ensure any associated legal costs will be taken care of.

    Corporal Punishment Coverage

    In the case that an employee is accused of hitting a child in your care, your business could be held liable. Claims of corporal punishment being administered, even if baseless, can rack up high legal costs that Corporal Punishment Coverage can take care of.

    Extra Expense Coverage

    After properties have experienced a physical loss, like a natural disaster, Commercial Property Insurance may cover the costs to repair the location, but will not cover the costs of moving to a temporary location to keep business running without Extra Expense Coverage.


    Many insurance plans are commonly bundled together for simplicity and a cheaper rate.

    Business owner’s policy (BOP)

    A popular option for small businesses like daycares that combines Commercial General Liability insurance with Commercial Property insurance, usually at a cheaper price than if the two were purchased separately.

    Frequently Asked Questions

    Do we insure people with many claims?

    Yes! We have select carriers for people who have many claims or a bad record.

    What payment methods do we accept?

    Payments through a mortgage, direct billing through mail, EFT (Bank Account), debit and credit cards.

    How can I file a claim?

     We strongly recommend calling us before the insurance carrier directly about a claim. You may not want to file a claim depending on your insurance plan. However, we will assist you in filling a claim the best way to make sure you take the least amount of damage possible to your insurance score. After talking with us, you can call the insurance carrier or let us call them for you.


    If you can’t find your answer here, please don’t hesitate to ask a representative through our messaging system or email.