NEXT is now ERGO NEXT Insurance, uniting digital-first innovation with Munich Re's global financial strength.

Child Care Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

Child care insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the affordable child care insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

  • General liability
  • Professional liability (E&O)
  • Commercial auto
  • Workers’ compensation
  • Commercial property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different child care business insurance policies available and save up to 10% when you bundle two or more of our policies.

General Liability

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of child care accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by state governments.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Professional Liability (E&O)

Professional Liability (E&O)

Coverage against business mistakes and claims of negligence

Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of losing a registration form that includes a client’s credit card information, it could help cover related expenses to defend yourself.

professional liability can help you pay for:

Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Commercial Auto

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if your driving for business purposes, such as transporting children to different locations.

commercial auto can help you pay for:

Medical expenses
Collision repairs
Rental reimbursement
Workers’ Compensation

Workers’ Compensation

For business owners who hire employees

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees, and you might need coverage before you can get your child care license. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses
Lost wages
Employer liability
Commercial Property

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses

What customers say about us

Small Business

I run a small tutoring business with kids and teens and Next provided me with coverage and extra coverage for damaged supplies. I highly recommend them.

Naomie S.

Easy to use and great

Easy to use and great rates!

Javier R.

Reponsabilidas

estan en buenas manos

Belkiz D.

Daycare insurance

Online sign up was easy , fast & best rates

DEBORAH M.

It’s amazing so far not

It’s amazing so far not one issue

Nickie S.

Rainbow Early Learning Center

10/10

Sofia A.

Best Quotes ever

I was searching for insurance for my daycare business and was referred by other daycare business owners and received a very good quote which was affordable and within my budget. My...

TaTanisha W.

Easy to use

Great coverage and easy to work with!

Brittney P.

Everything went well Thanks again

Everything went well Thanks again

Latisha C.

The Best Insurance company

I live next for it's reasonable prices and quality products

Tammie W.

You can save up to 25% in discounts on child care insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$500,000
Professional Liability (E&O)
Per occurrence
$250,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Professional Liability (E&O)
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Professional Liability (E&O)
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does child care insurance cost

How much does child care insurance cost?

Child care insurance quotes vary based on the risks that your business faces, such as:

  • The kinds of care you provide
  • Where you care for children
  • If you have any employees
  • The type of vehicle you drive
Child care insurance requirements

Child care insurance requirements

Child care providers are almost always required to have insurance due to the risk of injury to children and damage to property. You might need insurance to:

  • Get a child care license in your state.
  • Start caring for children. Local governments might ask you to have active insurance — usually general liability or workers’ compensation.
  • Hire employees. Most states require workers’ compensation.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about in-home child care and child care center insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect child care providers?

Our child care insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

A family’s high-end stroller is broken while you’re on an outing with their child and they blame you for the damage. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

A parent slips down the front steps of your home day-care business and breaks their arm. Your general child care liability insurance coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A client claims that you didn’t provide the educational services outlined in your contract and asks for their money back. Professional liability insurance could help cover expenses to defend yourself.

Workplace injuries

An employee trips over some toys and injures their leg. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

While driving on a field trip, you rear end another vehicle with your work van. Commercial auto insurance will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

A small fire breaks out in your child care facility’s kitchen. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.