Daycare Insurance in Arizona

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

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Daycare insurance that's made for your Arizona business

Daycare insurance that's made for your Arizona business

We’re dedicated to helping you get the daycare insurance coverage you need to protect your business from accidents, injuries, property damage and legal fees. Popular insurance bundles for daycare business in Arizona include:

  • General liability
  • Professional liability
  • Workers’ compensation
  • Commercial property

You can save up to 25% on daycare business insurance in Arizona

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
$65,000
General Liability
Per occurrence
$500,000
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
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
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
We’ll help you get the business insurance coverage you need in Arizona
It’s all about managing your risk. See the different policies available for daycare business in Arizona and save up to 10% when you bundle.
General Liability

General Liability

Protection for the injuries, accidents and damage you cause
General liability insurance provides financial protection if an accident happens at your daycare business, such as a customer injury or damages to someone’s property. It also provides coverage if you have to defend an accusation of libel or slander.

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 is designed to provide protection to your daycare business from unexpected expenses if you’re accused of a professional mistake, such as a customer saying you didn’t complete a job on time and wants you to pay for financial losses.

professional liability can help you pay for:

Legal defense costs
Legal judgments
Commercial Auto

Commercial Auto

For business owners who own or drive vehicles
Commercial auto insurance is essential if you have vehicles that are titled to your daycare business that you or your employees drive. Your personal car insurance policy probably won’t be enough to cover your work-related driving accidents.

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 protects employees and daycare business owners from financial losses after a workplace injury or illness. It can help with reimbursing medical bills, rehabilitation costs, lost wages and other expenses.

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 helps to protect the items you need to run your daycare business, including your inventory, equipment, furniture, fixtures and even the space that you lease or property that you own. If a fire damages a wall at your store and you have to close for six weeks during repairs, you’ll be glad you have commercial property.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses
How much should a daycare in Arizona expect to pay for insurance?

How much should a daycare in Arizona expect to pay for insurance?

Your daycare insurance costs in Arizona will be tailored to your business. Several factors will impact the price you pay, including:

  • Your claims history
  • How high you set your limits
  • Your work experience
  • How many people you employ

A daycare in Arizona usually pays about $22 each month for a business insurance policy.

With coverage built for more than 1,300 small business professions, NEXT offers you the right small business insurance at the right price, no matter what you do.

What are the daycare insurance requirements in Arizona?

What are the daycare insurance requirements in Arizona?

From your first day of business to your latest employee hire, NEXT is here to help your business thrive. Our flexible small business insurance provides the protection you need to get going and keep on growing. You might need insurance to:

  • Hire people. Arizona business requires workers’ compensation if you have employees.
  • Drive for work. Business-owned vehicles almost always 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.
  • Meet industry standards and state requirements for a daycare business.
  • Grow with your business as you experience fluctuations.

Frequently asked questions about daycare business insurance

Here are some of the most common questions we get about daycare business 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.

Does NEXT Insurance offer daycare business insurance in Arizona?

Yes, NEXT Insurance offers tailored daycare business insurance in Arizona.

Does NEXT Insurance offer General Liability coverage for daycare business in Arizona?

Yes, NEXT Insurance offers General Liability, Professional Liability, Commercial Auto, Workers' Compensation, Commercial Property coverage for daycare business in Arizona.

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.

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

Once you have a 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 instantly 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.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a consultant business insurance quote online with 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 do you file an insurance claim with 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.
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More professions that are covered by NEXT

Acting Lessons, Adult Education, Art Class, Child Care, Computer Lessons, Daycare, Tutor
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.