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Daycare Insurance in Kentucky

Save up to 30% on business insurance
Daycare & education insurance
Daycare insurance - NEXT

Business insurance designed for daycare business in Kentucky

NEXT makes business insurance unbelievably easy and affordable. Our coverage is tailored for daycare business so you know you’re getting coverage that was designed with you in mind.  Insurance coverage for daycare business in Kentucky often include:

  • General liability
  • Professional liability
  • Workers’ compensation
  • Commercial property
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Save up to 30% on daycare business insurance in Kentucky

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

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

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

General Liability

Bought by 95% of business owners like you
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
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Professional Liability (e&o)

Professional Liability (e&o)

Bought by 80% of business owners like you
Professional liability insurance (also known as errors and omissions or indemnity insurance) helps you defend yourself and your daycare business if you’re accused of making a mistake that causes someone to lose money. It could help cover related expenses to defend yourself or address the problem.
Professional Liability (e&o) can help you pay for:
Legal defense costs
Legal judgments
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Workers' Compensation

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

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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How much does insurance cost

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

Your daycare insurance costs in Kentucky 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 Kentucky usually pays about $13  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.

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What does a daycare need insurance for in Kentucky?

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 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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Everything you want to know about Insurance

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 Kentucky?
Yes, NEXT Insurance offers tailored daycare business insurance in Kentucky.
Does NEXT Insurance offer General Liability coverage for daycare business in Kentucky?
Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Commercial Property coverage for daycare business in Kentucky.
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.

Certificate of Insurance

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