Daycare Insurance Basics for Childcare Facilities
By Tanu Menon
What daycare and preschool operators should know about liability, property, and staff-related coverage.
Childcare businesses need specialized protection
A daycare isn't a typical office risk. You care for children, employ staff, welcome parents on-site, and often operate from a dedicated facility — all of which shape your insurance needs.
Common coverage areas
- General liability for injuries on premises
- Property coverage for the building and contents
- Abuse and molestation liability (carrier requirements vary)
- Workers compensation where required
- Business interruption if a covered loss shuts you down
What helps a quote move faster
Facility type, enrollment size, hours of operation, and current coverage details help an agent match the right markets.
Get a daycare quote
Use our short daycare quote form or read more on the daycare insurance page. Questions? Call 469-269-6539.