Home Daycare Insurance — Coverage, Cost & Requirements

Running a daycare out of your home means the risks of childcare and homeownership collide in a single policy gap. A standard homeowners policy excludes commercial activities — the moment you accept payment to watch children, you are operating a business and your home policy likely covers nothing. Home daycare insurance fills that gap with premises liability for injuries children sustain in your home, professional liability for supervision failures or allegations of negligence, abuse and molestation coverage required by most state licensing boards, and medical payments coverage for minor injuries that happen on-site. Food programs, field trips, and transportation add additional exposures that home daycare policies can address through endorsements.