Why Day Care Centers Need Specialty Insurance
Child-care comes with unique risks slips, accidental injuries, field trips, even allegations like abuse or neglect. Without robust insurance, a single incident could put your livelihood and your reputation at stake. General liability policies, especially for day care centers, protect against medical costs, property damage, legal fees, and more.

- General Liability: Covers bodily injury or property damage—e.g., a child trips or breaks their glasses on the playground.
- Commercial Property: Protects your facility and equipment from vandalism to storm damage.
- Professional Liability (Errors & Omissions): Shields you from claims of neglect, inappropriate care, or curriculum errors.
- Abuse & Molestation Liability: Critical coverage protecting your center in devastating situations.
- Workers’ Compensation: Mandatory in most states—covers staff injuries on the job.
- Commercial Auto: Essential if transporting children for trips or drop-offs.
- Umbrella Liability: Extra coverage for large claims beyond standard limits.
- Business Interruption: Covers lost income during operational pauses.
- Directors & Officers Liability: Protects against claims of mismanagement or wrongful decisions.
- Start with the essentials—general liability and property coverage.
- Assess risk areas: field trips, transport, staff size, abuse risks.
- Add specialized layers—workers’ comp, molestation cover, D&O, umbrella policies.
- Compare providers with childcare experience (e.g., Next Insurance, Markel, CoverWallet, Simply Business).
- Use a childcare-savvy agent to ensure nothing’s overlooked.
Ready to build a policy that truly supports your mission?
Let’s craft coverage that gives families confidence and lets you focus on what matters most growing little minds with love and care.