Daycare Liability Insurance
Liability is the exposure that keeps childcare owners up at night, because a single serious allegation can end a business overnight. This coverage concentrates on the liability lines a daycare needs most, from everyday injuries to the most serious abuse-related claims.
Exposures that demand a strategy
Before recommending coverage, we map the specific exposures that threaten your operation. For daycare liability insurance, those typically include:
A program built around your operation
With access to more than 100 highly rated carriers and specialty programs, we assemble the right combination of coverages rather than a one-size-fits-all policy.
Commercial General Liability
Protects against third-party bodily injury and property damage claims arising from your premises and operations, including legal defense costs.
Abuse & Molestation
The cornerstone liability protection for any childcare operation.
Professional Liability
Covers allegations of improper or negligent care.
Commercial Umbrella / Excess Liability
Adds an extra layer of liability limits above your underlying policies to protect against catastrophic claims and large lawsuits.
Student Accident
Provides no-fault medical coverage for injured children.
Who this is for
Daycare and childcare providers seeking liability-focused protection.
Common Questions
Let's build the right program for your business
Tell us about your operation and together we can find coverage that addresses your real exposures and budget.