Childcare Center Insurance — Coverage, Cost & Requirements

Childcare centers bear an enormous duty of care — parents entrust their children's physical safety and wellbeing to your staff every day. A child injury on a playground, an allergic reaction during snack time, a slip-and-fall by a visiting parent, or a staff member accused of abuse can all generate claims that threaten your license and your business. Childcare center insurance covers general liability for injuries on your premises, abuse and molestation liability (a required standalone endorsement for licensed facilities), professional liability for negligence in supervision, workers' comp for your caregiving staff, and commercial property coverage for your building and equipment.