How much does child care insurance cost?
Child Care insurance can cost as little as $20.83 per month¹ but the exact price will vary depending on your specific circumstances and needs.**
The kind of work you do, where you work, how many employees you have and other factors will impact your customized quote.
It’s important to provide the most accurate information about your business to make sure you get the coverage that is right for you, so that your claims are covered by your policy and so that any claim you might make is processed as quickly as possible.***
¹ Based on workers’ compensation minimum premium for daycare businesses in Texas. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary. Policy documents govern.
What are the coverage and pricing options for child care insurance?
We offer customized packages to each customer so you can find the coverage that you want. You pay only for what you need.
Daycare business owners like you typically purchase a combination of coverage in their insurance package, including:
- Workers’ compensation — can help protect you if your employee has a workplace injury or work-related illness
- Commercial property — can help protect you if you own your own building, lease property or work from home
After you answer a few basic questions with our online instant quote, you can review your options and choose the amount of coverage you want from our Basic, Pro and Pro+ packages.
Continue reading to learn more about how much different types of insurance costs and their coverage limits.
How do I get a quote for child care business insurance?
Start an instant quote. We’ll ask you some basic questions about your business and operations, which we’ll use to create a customized insurance quote.
If you like what you see, you can adjust the package limits to fit your preferences and make your purchase.
Your insurance will begin immediately after payment, and you’ll have access to your certificate of insurance. The self-service tools also allow you to pay premiums, add an additional insured and file claims.
The streamlined process, which can be completed without needing to talk to an agent, makes it possible to purchase insurance in a matter of minutes.
And if you do have questions, our licensed, U.S.-based insurance professionals are ready with the answers.
Start a free instant quote today.
Disclaimers
*Coverage and discount availability and eligibility varies, not available in all states.
**The cost data presented here are based on NEXT active customers data obtained over the previous 12 months. The minimum price is based on each type of insurance’s lowest price for businesses operating in Texas. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in July 2022.
*** To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
