Daycare & Child Care Centers Insurance
Coverage recommendations, carrier options, and cost estimates for daycare & child care centers businesses — what you need, what it costs, and how to get covered.
Recommended Coverages
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Daycare & Child Care Centers businesses, key exposures include child injury frequency. Common claims include child injury during play. Agent note: Abuse and molestation coverage is non-negotiable — standard GL may exclude it
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Professional Liability
essentialClaims arising from professional errors, omissions, negligent acts, or failure to perform professional duties.
$1M per claim / $2M aggregate is standard; higher limits for regulated professions
$500 - $3,000/year for low-risk professions; $3,000 - $20,000+ for attorneys, accountants, and healthcare
Workers Comp
recommendedMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job. For Daycare & Child Care Centers businesses, key exposures include child injury frequency. Common claims include child injury during play.
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Abuse & Molestation
recommendedAbuse & Molestation provides specialized coverage tailored to the risks Daycare & Child Care Centers businesses face. Key exposure: abuse and molestation exposure. Common claims include abuse allegation.
Varies by carrier and state
Varies by business size and risk profile
Commercial Property
situationalPhysical damage to buildings, business personal property, equipment, inventory, and tenant improvements from covered perils (fire, wind, theft, vandalism).
Based on replacement cost of building and contents. Business income limits typically 12 months of projected revenue.
$750 - $5,000/year for small businesses; varies widely based on property values, construction type, and location
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Risk Profile
Physical
Liability
Professional
Property
Top Risks
- Child injury frequency
- Abuse and molestation exposure
- Regulatory compliance
- Field trip transportation
- Allergic reaction to food
Carriers That Write Daycare & Child Care Centers
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$2,000 - $10,000 for businesses with $200K - $2M revenue
Key Pricing Factors
- Annual revenue ($200K - $2M is typical for this class)
- Employee count (5-25 is typical)
- Number of children enrolled
- Age range
- Staff-to-child ratio
- Background check policy
See the Per-Coverage Cost Breakdown
For median GL, BOP, WC, and auto premiums sourced from Insureon, plus a worked quote example and the underwriting questions to expect, see our daycare & child care centers insurance cost page.