You make one call. We make the rest.
Licensing wants proof. Parents want certainty. We insure childcare programs with the coverage state licensors expect, including abuse and molestation coverage written properly, and we have certificates ready before inspection day.
Tell us about your business.
What is Childcare insurance?
The program that keeps a childcare license valid and a business protected: general and professional liability for the daily work of caring for children, abuse and molestation coverage that regulators and parents increasingly expect to see, accident coverage for the children themselves, and property coverage for your space and supplies.
Abuse and molestation coverage is where childcare policies quietly fail.
Many are written with sublimits so low they are nearly decorative. We read that section first, and we place programs with carriers who cover it like they mean it.
General & professional liability
Injuries, allegations, and the professional decisions your staff makes every day.
Abuse & molestation coverage
Written with real limits, because this is the coverage that determines whether a program survives an allegation.
Accident & medical for children
No-fault medical coverage for bumps, falls, and playground incidents, which also keeps small incidents from becoming lawsuits.
Property & contents
Your space, equipment, and supplies, whether you own the building or operate in-home.
Who needs Childcare insurance?
- Licensed childcare centers of every size
- In-home childcare providers (your homeowners policy does not cover this business)
- Preschools and pre-K programs
- After-school and enrichment programs
- Faith-based and co-op programs with volunteer staff
One application. Every market. The right program.
Licensing ready.
We know what your state licensor wants to see and we paper it correctly the first time.
We understand ratios and regulations.
Enrollment, staff ratios, ages served, transport: we ask the questions carriers price on.
Proof for parents, fast.
Certificates for licensors, landlords, and parent handbooks the same day.
Coverage that grows with enrollment.
Expanding a room or adding a location extends the program, not restarts it.
Frequently asked questions
What does my state license require?
Nearly all states require liability coverage for licensed programs, and many set minimum limits. Tell us your state and program type, and we will match the requirement exactly.
What is abuse and molestation coverage, really?
It responds to allegations of abuse by staff or volunteers, including legal defense. It is the single most scrutinized line in childcare, and the place where weak policies cut corners. We do not place programs without it written properly.
A child was hurt at pickup. Am I covered?
Injuries during operating hours, including arrival and departure, are exactly what your liability and accident coverage are for. We structure both so the answer is yes.
Do field trips and transport change my coverage?
Yes, and carriers price it. If you transport children, we build auto and liability coverage around it rather than hoping the question never comes up.
What does it cost?
Enrollment, ages served, and location drive it. One application across the markets that actually want childcare risk.