You make one call. We make the rest.
From drop-off to pickup, a daycare runs on trust. We put real coverage behind it: liability for the daily work, abuse and molestation coverage with limits that mean something, and same-day certificates for licensors and landlords.
Tell us about your business.
What is Daycare insurance?
Liability and property coverage built for the realities of watching other people's children: playground injuries, allergy incidents, allegations against staff, and the space and supplies your program runs on. For licensed centers and in-home providers alike, it is what stands between one bad day and the end of the business.
In-home does not mean covered at home.
If you run a daycare out of your house, your homeowners policy almost certainly excludes it as a business activity. The fix is a daycare policy built for in-home programs, and we place those every week.
Liability for the daily work
Falls, allergic reactions, and the claims that follow, with legal defense included.
Abuse & molestation coverage
Real limits, correctly written, because this is the line that matters most.
Children's accident coverage
No-fault medical for everyday incidents, which keeps goodwill with parents and claims off your liability policy.
Your space and supplies
Center or in-home, the rooms, toys, and equipment your program depends on.
Who needs Daycare insurance?
- Licensed daycare centers
- In-home childcare providers
- Preschools with daycare hours
- After-school and drop-in programs
One application. Every market. The right program.
Specialized daycare coverage.
We place daycare programs constantly and know which carriers actually want them.
Same-day certificates.
Licensing renewal, new landlord, or a parent who asks: proof goes out today.
Plain-language guidance.
You will know what is covered and what your license requires, in words that make sense.
Trusted by daycare owners nationwide.
From single in-home programs to multi-site centers.
Frequently asked questions
I run a daycare from home. Does my homeowners insurance cover it?
No. Homeowners policies exclude business activity, and a daycare is unmistakably a business. An in-home daycare policy closes that gap, and it costs less than most owners expect.
What happens if a child is injured at my daycare?
Your accident coverage handles the medical side no-fault, and your liability coverage responds if a claim follows. That combination is the core of every program we write.
How fast can I get proof of coverage for licensing?
Same day. If your licensor has a specific form or wording, send it over and we match it.
What drives the price?
Enrollment, ages, staffing, and whether you transport children. We take one application to every market that writes daycare so the price already reflects competition.