Daycare Insurance in Iowa

Daycare insurance in Iowa 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

Commercial auto

Workers’ compensation

Commercial property

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Find the right daycare business insurance in Iowa

We have all the business insurance you might need for your daycare business in Iowa. And you save up to 10% when you combine coverage.

General Liability

Bought by 95% of business owners like you

General liability insurance covers a wide range of daycare business 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 clients and licensing agencies.

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 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 (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

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

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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

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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

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Cost of daycare insurance in Iowa

NEXT makes sure that a daycare in Iowa 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 Iowa 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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daycare insurance requirements in Iowa

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

Help pay for accidents that cause damage to property that isn’t yours.
Defend yourself. If you’re accused of making a mistake that causes someone to lose money.
Hire employees. Most states require workers’ compensation insurance if you have employees.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace commercial 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 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 Iowa?

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

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

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

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 and require help from our support team, please visit our online help center.

Daycare Insurance in Iowa

Daycare insurance in Iowa tailored for your business

Save up to 30% on daycare business insurance in Iowa