Looking for Daycare Insurance?
Protect your daycare, staff, and families with licensed coverage that meets state childcare requirements while giving you complete confidence that your business is safe, compliant, and fully supported. Harper Insure streamlines the entire process for childcare.
What is Daycare Insurance?
Daycare insurance is a specialized form of business insurance designed exclusively for childcare environments where children are supervised, taught, and cared for. It protects your daycare from financial losses caused by accidents, injuries, allegations of negligence, property damage, or operational disruptions. Because children require constant supervision and engage in activities that carry inherent risks, even minor incidents can result in medical bills, parent complaints, legal disputes, or licensing consequences. Daycare insurance ensures that your business remains compliant with state.
Liability Protection for Kids
Provides coverage for injuries or accidents involving children or staff during childcare activities. This includes.
Protection for Classroom/Play
Covers damage to your daycare's physical spaces—including classrooms, playgrounds, childcare equipment, learning.
Legal Defense for Claims & All
Includes legal representation, claims handling, and settlement assistance if your daycare faces lawsuits related to.
Staff Professional Liability
Covers claims involving staff supervision, professional judgment, or negligence in educational and childcare activities.
Who Needs Daycare Insurance?
- Licensed Daycare Centers : Businesses and professionals requiring daycare insurance coverage
- In-Home Childcare Provide : Businesses and professionals requiring daycare insurance coverage
- Preschools : Businesses and professionals requiring daycare insurance coverage
- After-School & Enrichment : Businesses and professionals requiring daycare insurance coverage
- Drop-In Childcare : Businesses and professionals requiring daycare insurance coverage
Why Harper?
Specialized Daycare Coverage
Harper Insure specializes in business insurance tailored specifically to childcare environments. Unlike generic providers, we understand the unique risks daycares face: constant supervision responsibilities, childhood injuries, parent concerns, property damage from daily activities, and strict licensing standards. This deep specialization ensures that your policy is customized to your exact operational realities—whether you run a licensed center, an in-home daycare, or an early-education facility—covering everything from liability to professional oversight.
Fast, Same-Day Certificates
Childcare operators often face urgent licensing deadlines, landlord approvals, or parental documentation needs. Harper Insure delivers same-day certificates of insurance so you never face operational delays or compliance issues. Whether you’re renewing a license, opening a new facility, or onboarding families who require proof of insurance, we ensure you receive your documents instantly—helping your daycare operate without interruption and stay aligned with state and facility guidelines.
Plain-Language Support & Guidance
Insurance can be complex, especially when dealing with topics like supervision liability, licensing requirements, or optional endorsements such as abuse/molestation coverage. Harper Insure breaks everything down in simple language, helping you understand exactly what your policy covers and why it matters for your state, your landlord, and the families you serve. Our advisors guide you through renewals, certificates, coverage changes, and compliance questions with clarity and care.
Trusted by Daycare Owners Nationwide
Daycare owners across the country rely on Harper Insure for speed, clarity, and dependable support. As one preschool owner shared: “Harper Insure made our licensing process effortless. We got coverage and certificates in a few hours.” We consistently deliver reliable service and tailored solutions for all types of childcare operations, which is why providers repeatedly recommend us and trust us with their business protection year-round.
Frequently Asked Questions
Do I need daycare insurance if I operate from home
Yes. Most states require licensed or registered in-home childcare providers to carry daycare liability insurance. Homeowner policies do not cover childcare-related incidents, supervision risks, or licensing requirements. Even when not required by law, insurance is strongly recommended for parent trust, landlord approval, and legal protection.
What does daycare liability insurance cover?
It covers injuries to children or staff, property damage, legal fees, settlements, and claims of negligent supervision. It also includes coverage for common incidents like playground injuries, classroom accidents, and facility-related hazards. Optional endorsements provide additional protection for sensitive areas like abuse/molestation.
Is daycare insurance different from general cover?
Yes. Daycare insurance is built for childcare settings, covering supervision risks, activities, parent claims, and staff exposures. It helps meet licensing rules and protects children, staff, and owners from everyday risks.
How much coverage do I need?
Coverage requirements vary by state, but many licensing boards require at least $300,000 per occurrence and $900,000 aggregate. Some states or landlords may require higher limits. Harper Insure evaluates your state’s requirements and recommends coverage limits that ensure compliance and full operational protection.
How fast can I get proof of insurance?
Most providers receive their certificate of insurance the same day they purchase their policy. Harper Insure streamlines certificate delivery to ensure you can meet licensing, inspection, or enrollment deadlines without delays.
What impacts the cost of daycare insurance?
Cost depends on your daycare’s location, facility size, number of children, staff count, program structure, risk exposures, and state-required coverage limits. In-home providers typically pay less, while larger centers or those offering transportation, outdoor programs, or specialty activities may require more robust coverage. Harper Insure This.
