Daycare & Childcare Insurance — Coverage, Cost & Requirements
Professional liability and abuse & molestation coverage for daycare centers and preschools.
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What Coverage Does Daycare & Childcare Insurance Include?
Most daycare & childcare businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
Professional Liability
Professional Liability coverage tailored for daycare & childcare businesses.
Abuse & Molestation
Covers abuse or molestation allegations — required for schools, childcare, churches.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
How Much Does Daycare & Childcare Insurance Cost?
The cost of daycare & childcare insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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