Daycare Insurance That Helps Protect Your Business.

• Independent & Unbiased

Daycare centers, preschools, and childcare facilities require specialized insurance coverage designed to help protect against the unique risks associated with caring for children and operating educational programs.

Many daycare and preschool insurance policies include pre-designed coverage options that may be customized to fit your business operations, staffing needs, and liability exposures.

Coverage Options May Include

• General liability coverage
• Professional liability coverage
• Field trip coverage
• Business interruption coverage
• Commercial auto coverage for passenger vans and buses
• Commercial umbrella liability coverage
• Sexual Abuse and Molestation (SA&M) coverage helps protect businesses and organizations from allegations of sexual abuse or molestation involving patients, clients, residents, students, participants, employees, volunteers, or other third parties.It is particularly important for healthcare providers, senior living facilities, behavioral-health organizations, schools, childcare providers, youth programs, nonprofits, faith-based organizations, fitness facilities, and any business serving vulnerable populations.  Standard General Liability policies usually exclude or significantly restrict coverage for these allegations.

  Since these allegations can result in substantial defense costs, settlements, judgments, and claims involving multiple alleged victims or responsible parties, we recommend a $1M SA&M limit for most organizations with regular contact with children, patients, residents, or other vulnerable individuals.

Important Coverage Considerations

• Some policies may exclude in-home daycare operations
• Abuse and molestation coverage limits may be separate from general liability coverage
• Coverage availability may vary depending on business operations and licensing requirements

Who May Need Daycare & Preschool Insurance?

Every childcare operation has unique risks, but nearly all organizations responsible for the care and supervision of children should consider specialized insurance coverage. Whether you operate a small home-based program or a large educational facility, the right policy can help protect your business, staff, and the families you serve.

Childcare Centers – Licensed childcare centers that provide full-time or part-time care for infants, toddlers, and young children often need coverage for liability, property, abuse and molestation, employee-related risks, and more.
Montessori Schools – Montessori programs have unique educational approaches and specialized classroom equipment. Insurance can help protect your school, staff, and students while addressing the risks associated with hands-on learning environments.
After-School Programs – Organizations providing before- or after-school care, homework assistance, recreation, or enrichment activities face liability exposures related to supervision, transportation, and organized activities.
Nursery Schools – Nursery schools that focus on early childhood education benefit from insurance designed to protect classrooms, educational materials, playground equipment, and daily operations.
Traditional Daycare Facilities – Whether caring for infants, toddlers, or preschool-aged children, daycare providers face a variety of risks, including accidents, injuries, property damage, and allegations of negligence. Comprehensive coverage helps provide financial protection for these exposures.
Preschool Programs – Preschools combine education with childcare, creating unique insurance needs. Coverage can help protect teachers, students, buildings, classroom contents, and the organization from common liability and property claims.

Having the right insurance policy in place can help protect your daycare or preschool from liability claims, operational interruptions, and property-related risks. Our team can help you compare insurance options designed specifically for childcare businesses.