Daycare Insurance in Maryland

Smart insurance for daycare business in Maryland

NEXT is 100% dedicated to small businesses and the self-employed. We customize insurance for daycare business so you have the coverage you need to protect your business. Coverage packages often include:

General liability

Professional liability

Workers’ compensation

Commercial property

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Easily find a custom Maryland 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 Maryland.

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)

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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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 insurance can help protect your daycare business equipment, inventory and even the building itself if you own it. If your daycare business property is damaged due to a covered event, such as a burst water pipe or fire, commercial property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

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What's the price of daycare insurance in Maryland?

The amount of money you can expect to pay for daycare insurance in Maryland depends on the kinds of risks your business faces, such as:

What kind of work you do

Where you work

The kind of work your employees do

Business insurance can cost a daycare business in Maryland about $13 a month for basic coverage.

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What are the daycare insurance requirements in Maryland?

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. Maryland business requires workers’ compensation if you have employees.
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.

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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 Maryland?

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

Does NEXT Insurance offer Workers' Compensation coverage for daycare business in Maryland?

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

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 Maryland

Smart insurance for daycare business in Maryland

Save up to 30% on daycare business insurance in Maryland