Daycare Insurance in Idaho

Easily find a custom Idaho daycare insurance package that's right for you

NEXT specializes in small business insurance, so you can easily find a custom insurance package that’s right for your daycare business in Idaho.

General Liability

Bought by 95% of business owners like you

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

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Professional Liability (e&o)

Bought by 80% of business owners like you

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 (e&o) can help you pay for:

Legal defense costs

Legal judgments

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Commercial Auto

For business owners who own or drive vehicles

Whether your car is essential for your daily operations or a vehicle you only occasionally use for work, you need a commercial auto insurance policy customized for your daycare business. Most states require that your business-owned vehicles are insured for certain types of accidents with commercial auto coverage.

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 your daycare business has employees. 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 covers daycare business property, which can include the repairs, construction and related expenses if you own the building where you do business. And it can help you whether you lease space or own the property where you work.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

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Cost of daycare insurance in Idaho

NEXT makes sure that a daycare in Idaho gets the right coverage for the most competitive rates. Policies are customized for you based on:

Your work experience

Your claims history

How many vehicles you use for work

How many employees you have

A daycare business in Idaho can pay as little as $13 each month for business insurance.

Your daycare business risks can change from time to time and that can impact your insurance needs. We’re here to make sure you always have the right coverage.

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What does a daycare need insurance for in Idaho?

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.

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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 Idaho?

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

Does NEXT Insurance offer Commercial Property coverage for daycare business in Idaho?

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

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?

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.

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 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 in Idaho

Tailored, easy and affordable insurance for daycare business in Idaho

Save up to 30% on daycare business insurance in Idaho