Insurance for daycares & childcare.
Licensed daycares, preschools, home-based providers and after-school programs — bound to your state's exact licensing.
The questions every
owner should ask.
What's the single largest exposure we carry?
Abuse and molestation — full stop. It's the loss that closes daycares and triggers nuclear verdicts. Dedicated abuse cover (a separate limit, never a sub-limit of GL) plus written screening, supervision and reporting protocols are non-negotiable.
A child was hurt on the playground. Will GL pick it up?
Yes for the bodily-injury claim — but the bigger question is whether your professional liability covers the supervisory decisions leading up to it. We bind GL and professional cover together so there's no gap between the slip and the supervision.
We transport children to and from school. What does that need?
A commercial auto policy with the right limits for child passengers, plus hired and non-owned auto if staff ever use personal vehicles. State licensing usually prescribes minimum limits — we'll match the state and the carrier.
Our state licensing demands specific limits and bonds. Can you handle that?
Yes. Daycare insurance is heavily state-regulated — required GL limits, abuse cover, transportation limits and surety bonds vary by state and by licence type. We track the requirements and bind to them.
What a good policy
actually covers.
The areas that matter most for your kind of business — what they do, and the losses they're built to absorb.
GL + abuse and molestation
Third-party bodily injury and property damage at the centre, with a dedicated abuse and molestation limit — written separately, not buried as a sub-limit of GL.
Learn about this coverProfessional liability
Cover for the supervisory and caregiving decisions your staff make — claims that allege negligent supervision, failure to follow protocol or improper care.
Learn about this coverCommercial property & BOP
Building, contents, playground equipment and loss of income — written for the property exposures specific to children's environments.
Learn about this coverCommercial auto, workers' comp & EPLI
Vans and buses for school pickup, statutory comp for caregivers and admin staff, and EPLI for wage, harassment and discrimination claims in a high-turnover workforce.
Learn about this cover A broker that works
the whole market.
Childcare-specific markets
Most generalist brokers struggle to even quote childcare. We work with the carriers that have purpose-built daycare and after-school products — and price abuse cover at meaningful limits.
Written for state licensing
Required GL, abuse, transportation and bond limits vary by state and by licence type. We bind to your state's exact requirements and refile when they change.
Real abuse-prevention guidance
We pair the cover with written screening, supervision and reporting protocols the carriers actually credit — which both lowers premium and reduces the risk of the loss in the first place.
From first call
to bound cover.
Tell us about your business
A few details about what you do, your size and any contract or licensing requirements you're working against.
We shop the market
We compare carriers that price your kind of business well, and bring back real options side by side.
Bind with confidence
Choose the option that fits, get your certificate, and know exactly what's covered — with us on the line if something happens.
Who this is
built for.
Childcare cover
written properly.
Tell us about your program and your state. We'll go to the carriers that specialise in childcare, place abuse cover at meaningful limits, and bind to your state's exact licensing requirements.