General Liability
Covers child injury claims, parent property damage, and third-party bodily injury at your childcare facility.
Childcare & Daycare Insurance for Every Care Setting
Childcare providers face serious liability for child injuries, supervision claims, and professional negligence. We compare multiple carriers to find the right coverage for your childcare business.
Coverage
What does Childcare & Daycare insurance cover?
The right insurance program for your Childcare and Daycare business combines multiple coverage types to protect against the specific risks your industry faces. Here are the key coverages to consider:
Professional Liability
Covers claims of negligent supervision, failure to protect a child, or professional care errors.
Commercial Property
Protects your facility, playground equipment, educational materials, and furnishings.
Workers' Compensation
Required coverage for your childcare teachers, aides, and administrative staff.
Business Owners' Policy
Bundles general liability and property coverage for an affordable childcare center insurance solution.
Who needs it
Who needs Childcare & Daycare insurance?
If you operate a Childcare and Daycare business, protecting your operations, assets, and clients with proper insurance coverage is essential. This includes:
- Licensed childcare centers and daycares — Responsible for children's safety throughout the day, making injury liability claims a constant exposure.
- In-home and family daycare providers — Mix personal and professional risk since incidents in their home can generate both liability and licensing issues.
- Preschools and early learning programs — Serve young children with developing motor skills, creating frequent injury and supervision liability exposure.
- After-school care programs — Responsible for children during the unsupervised gap between school and home, a high-risk supervision window.
Why Ashmont Insurance Agency
The smarter way to insure your Childcare & Daycare business
Our platform removes the guesswork from finding the right coverage at the best price.
Instant comparison
Our platform analyzes your Childcare and Daycare business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your Childcare and Daycare coverage, answer questions, and help you make the right decisions for your business.
FAQ
Frequently asked questions about Childcare & Daycare insurance
Have more questions? Our licensed advisors are available by phone, email, or chat.
Childcare center insurance typically costs $2,000–$6,000 per year depending on the number of children served, facility size, and services. In-home daycares generally pay less. Ashmont Insurance Agency compares multiple carriers to find competitive rates for your childcare business.
Most states require childcare centers to carry a minimum amount of general liability insurance as a condition of state licensing. In-home daycares may have different requirements. Check your state licensing board requirements or consult an Ashmont Insurance Agency advisor.
Professional liability for childcare providers covers claims of negligent supervision — such as a child being injured while in your care, emotional distress claims, or allegations of failure to follow proper care protocols. It pays legal defense and settlement costs.
Many insurers require that all childcare staff pass background checks as a condition of coverage eligibility. Maintaining documented background check procedures can also improve your coverage terms and pricing.
Yes. Ashmont Insurance Agency lets you compare childcare and daycare insurance from multiple carriers online in minutes. We evaluate your facility type, licensed capacity, and state to find the most competitive options available.
Ready to protect your Childcare & Daycare business?
Compare Childcare & Daycare insurance quotes from multiple carriers the same day. No obligations, no phone tag — just smarter coverage for your business.