Daycare Insurance

Daycare insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the affordable daycare 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

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

It’s all about managing your risk. See the different daycare business insurance policies available and save up to 10% when you bundle.

General Liability

Bought by 95% of business owners like you

General liability insurance covers a wide range of daycare 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

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Professional Liability (e&o)

Bought by 80% of business owners like you

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 misplacing forms which list confidential health information about the children in your care, it could help cover related expenses to defend yourself.

Professional Liability (e&o) can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

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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 you tear off a side mirror while backing your work van out of a parking spot.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

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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 daycare 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

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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

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How much does daycare insurance cost?

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

The kinds of care you provide

Where your daycare center is located

Your payroll and the kinds of jobs your employees do

The type of vehicle you drive

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Daycare insurance requirements

Daycares are almost always required to have insurance due to the risk of injury to kids and property damage. You might need insurance to:

Get a daycare 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.

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Frequently asked questions about business insurance

Here are some of the most common questions we get about insurance for daycare centers. 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 daycares?

Our commercial and home daycare insurance packages are designed to protect your business from a variety of childcaring risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

A child kicks a ball in your outdoor play area and shatters a neighbor’s window. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A child chips a tooth when falling from your playground equipment. Your general daycare liability insurance coverage would also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

Your daycare accidentally serves a snack that contains an allergen and a child has to receive treatment. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

An employee strains their back while picking up a toddler. 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

Your work van’s roof is dented by a fallen branch during an overnight storm. 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 frozen pipe bursts and floods your daycare facility. 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.

Do I need to provide proof of my child care provider license to sign up?

No! We aim to make this process as quick and easy as possible, so that means you do not need to have your license number on hand before signing up.

How many children may I care for with this policy?

Our policies do not provide coverage for more than 18 children. The number of children you may care for depends on your license status, the licensing requirements in your state, and the number of providers you have.

I provide overnight child care. Am I still eligible for this insurance policy?

Unfortunately, at this time we are not able to offer insurance to providers who care for children overnight.

What is the maximum number of hours I can care for children per day?

Our policies provide coverage for up to 15 hours of child care each day.

Do you provide coverage for commercial centers as well?

Unfortunately, at this time we are only able to offer insurance to in-home day care providers. This means that the child care provider must live in the home where child care services are being provided.

How long will it take to get my policy after I buy?

In case you purchase your policy online you will receive your policy documents via email within one business day of purchase. In case you purchase through an agent your agent will let you know when to expect your documents.

What kinds of coverage does an In-Home Day Care policy provide?

Our policies provide General Liability, Professional Liability, and Accident & Health coverage

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

How does the claims process work with NEXT Insurance?

If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
If you cannot access your online account or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

Daycare Insurance

Daycare insurance designed to protect your business

Save up to 30% on daycare insurance