Looking for Childcare Insurance?
Protect your childcare business from liability claims, child injuries, abuse allegations, and property damage. Harper provides insurance for daycare centers, preschools, in-home providers, and after-school programs, with fast certificates for licensing boards, landlords, and parents.
What is Childcare Insurance?
Childcare insurance protects providers from risks such as child injuries, supervision-related claims, abuse allegations, and property damage. Coverage commonly includes general liability, professional liability, and abuse and molestation coverage. State licensing boards typically require proof of insurance before issuing or renewing childcare licenses.
Child Safety Coverage
Protects against claims arising from accidents, injuries, or incidents involving children in your care.
Abuse & Molestation Coverage
Provides protection against allegations of abuse, molestation, or inappropriate conduct involving children.
Facility Protection
Covers playground equipment, furniture, supplies, and the property of the childcare facility.
Certificates
Fast proof of insurance for licensing boards, landlords, and parent or program requirements.
Who Needs Childcare Insurance?
- Daycare centers : Businesses requiring specialized insurance coverage
- In-home childcare providers : Businesses requiring specialized insurance coverage
- Preschools : Businesses requiring specialized insurance coverage
- After-school and enrichment programs : Businesses requiring specialized insurance coverage
Why Harper?
Childcare-Focused Expertise
Childcare providers operate in highly regulated environments with elevated responsibility. Harper understands the risks involved: from playground injuries and supervision claims to abuse allegations and places coverage designed specifically for childcare operations.
Fast Licensing & Compliance Support
Licensing boards and landlords often require proof of insurance before approving licenses or leases. Harper delivers accurate certificates quickly and assists with additional insured requests to help you stay compliant.
Clear, Practical Guidance
We explain general liability, professional liability, and abuse and molestation coverage in clear terms so you understand what protects your program, staff, and children.
Coverage Matched to Your Program
Whether you provide infant care, preschool education, after-school programs, transportation, or specialized services, Harper helps align coverage with your childcare program's operations.
Frequently Asked Questions
What insurance do childcare providers need?
Most childcare providers need several core coverages. General liability protects against injuries to children or visitors. Professional liability covers claims arising from supervision or alleged errors in care. Abuse and molestation coverage is often required by licensing boards to address allegations of misconduct. Property coverage protects buildings, equipment, and supplies, while workers' compensation is required in most states if you have employees.
Is childcare insurance required?
Yes. State licensing boards typically require proof of liability insurance, and often abuse and molestation coverage before issuing or renewing a childcare license. Landlords may also require insurance as a lease requirement, and some programs or funding sources require proof of coverage to participate.
How much does childcare insurance cost?
Costs depend on enrollment size, ages served, services offered, and whether care is provided in the home or at a facility. In-home childcare providers often charge $500–$1,500 annually, while daycare centers and preschools typically charge $2,000-$8,000 or more. Programs with transportation or higher enrollment may require additional coverage.
Does insurance cover playground injuries?
General liability coverage may apply to playground injuries that occur despite proper supervision and equipment maintenance. Claims are typically evaluated based on safety procedures, supervision practices, and compliance with licensing requirements.
Does insurance cover abuse allegations?
Abuse and molestation coverage is designed to protect childcare providers against allegations of abuse, inappropriate conduct, or sexual misconduct. Coverage applies to claims and legal defense costs arising from allegations, subject to policy terms and compliance with licensing and background-check requirements.
Can I add landlords as additional insureds?
Yes. Many childcare facilities are required to add landlords as additional insureds under their lease agreements. Harper assists with issuing certificates and endorsements to meet landlord and licensing requirements quickly and accurately.