Daycare Insurance in Colorado

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

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Daycare insurance in Colorado tailored for your business

NEXT customizes insurance for small businesses, including daycare business. We help business owners get covered in about 10 minutes online. And you’ll have 24/7 access to services. Insurance packages can be customized to include:

General liability
Professional liability
Workers’ compensation
Commercial property

You can save up to 25% on daycare insurance in Colorado

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

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance helps to protect you from unexpected expenses related to many types of accidents that can affect your daycare business. And clients could require that you have general liability coverage as part of contract requirements so they know that you can pay for any accidental injuries or damage related to your work.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Professional Liability (E&O)

Coverage against business mistakes and claims of negligence

Professional liability insurance protects your daycare business against civil lawsuits and negligence claims related to professional mistakes, whether you actually made them or a client just thinks you did. It can help to cover the cost of defending yourself or reimbursing a client.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance provides a safety net for daycare business owners and their employees after a workplace injury. It can help cover expenses for medical treatment, lost wages and other costs. You’re required to purchase coverage in most states as soon as you hire your first employee.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property coverage helps protect almost all of the physical items you need to run your daycare business, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

How much does daycare insurance in Colorado cost?

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

Where you work
The kind of work you do
Your payroll and the kinds of jobs your employees do
The number and types of vehicles you use at work

Daycare business in Colorado typically pays about $19 each month for a business insurance policy.^†

You can save up to 25% in discounts on business insurance, depending on the kind of work you do. More risky professions can expect to pay more.

What does a daycare need insurance for in Colorado?

With business insurance from NEXT, you’ll have the protection you need to get your daycare business to the next level. Insurance can help you in many ways:

General liability coverage helps pay for damage to property that doesn’t belong to you.
Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.
Workers’ compensation insurance can help cover medical bills and lost wages after a work-related injury. Workers’ comp coverage is usually required by law if you have employees.
Commercial auto coverage will help pay for collision and other driving-related damage.
Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event.

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 Colorado?

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

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

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

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.

Get customized insurance wherever you do business

Learn more about insurance options in the states where you work.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

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.