Next Insurance

Daycare Insurance in New Hampshire

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

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Daycare insurance in New Hampshire designed to protect your business

Daycare insurance in New Hampshire designed to protect your business

NEXT specializes in providing customized insurance for small businesses and the self-employed. We offer affordable coverage tailored to daycare business in New Hampshire so you are always protected against unpredictable events. The most common insurances packages bought by  daycare business in New Hampshire include:

  • General liability
  • Professional liability
  • Workers’ compensation
  • Commercial property

You can save up to 25% on daycare insurance in New Hampshire

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
Most Popular
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
We specialize in providing the right type of daycare insurance for small businesses in New Hampshire
NEXT is made for entrepreneurs, hustlers and daycare business owners in New Hampshire who like to stay covered and save money.
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
Professional Liability (E&O)

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 can help you pay for:

Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Workers' Compensation

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

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
Cost of daycare insurance in New Hampshire

Cost of daycare insurance in New Hampshire

NEXT makes sure that a daycare in New Hampshire 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 New Hampshire can pay as little as $17 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.

Why does a daycare in New Hampshire need business insurance?

Why does a daycare in New Hampshire need business insurance?

A daycare business in New Hampshire needs insurance to help stay protected from financial losses after an accident. It can also offer protection from costs related to business disagreements, and it can help you qualify for licenses. You might need insurance to:

  • Align with industry standards and state requirements for a daycare business.
  • Change with your business as you experience fluctuations.
  • Hire employees. Most states require workers’ compensation.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

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 New Hampshire?

Yes, NEXT Insurance offers tailored daycare business insurance in New Hampshire.

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

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

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.

Get customized insurance wherever you do business

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

Certificate of Insurance

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* 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.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.