Daycare Centers Insurance

Daycare Centers face specific risks — child injury, abuse/molestation claims, negligence. The right business insurance protects your income, your clients, and your license. Below are the coverages most daycare centers carry, plus state-by-state guides and free quotes.

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Coverages most daycare centers need

General Liability

Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every small business needs.

Professional Liability (E&O)

Also called Errors & Omissions, it covers claims of negligence, mistakes, or failure to deliver professional services as promised.

Commercial Property

Protects your building, inventory, equipment, and furnishings against fire, theft, vandalism, and many weather events.

Workers' Compensation

Pays for medical bills and lost wages when employees are injured on the job. Required in most states once you have employees.

Daycare Centers insurance by state

Select your state for local requirements, costs, and quotes.