Daycare Insurance in New Jersey

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

Education insurance
Tailored, easy and affordable insurance for daycare business in New Jersey

Tailored, easy and affordable insurance for daycare business in New Jersey

NEXT offers a seamless experience with coverage, pricing and customer service that’s designed for daycare business in New Jersey.  Insurance packages often include:

  • General liability
  • Professional liability
  • Commercial property

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

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
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
$25,000
Get the daycare business insurance in New Jersey that's just the right fit
We offer customized daycare insurance policies to small businesses and the self-employed in New Jersey. Oh, and you save up to 10% when you bundle.
General Liability

General Liability

Protection for the injuries, accidents and damage you cause
General liability insurance is included in most business insurance packages, including daycare business, because it covers the risks that many business owners face every day. It’s not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Professional Liability (E&O)

Professional Liability (E&O)

Coverage against business mistakes and claims of negligence
Professional liability insurance can help to pay for damages and lawsuit costs if you or your daycare business is accused of work errors or incomplete projects that cause a client to lose money.

professional liability can help you pay for:

Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Commercial Property

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

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

Your daycare insurance costs in New Jersey 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 New Jersey usually pays about $22 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.

How important is it for a daycare in New Jersey to have business insurance?

How important is it for a daycare in New Jersey to have business insurance?

We know building a small business is an investment. To protect that investment, daycare businesses in New Jersey need insurance to avoid financial losses. Business insurance can protect your from:

  • Lawsuits. Without insurance, you might have to pay entirely out of pocket after an accident or mistake.
  • Damage to the physical items you need to do business.
  • Claims of work mistakes or negligence.
  • Injuries if an employee gets hurt on the job. Insurance can pay for medical expenses and help cover lost wages.

NEXT is dedicated to helping you find the affordable daycare insurance coverage you need to stay protected, meet legal requirements and satisfy your customers.

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 Jersey?

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

Does NEXT Insurance offer General Liability coverage for daycare business in New Jersey?

Yes, NEXT Insurance offers General Liability, Professional Liability, Commercial Property coverage for daycare business in New Jersey.

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 (COI)?

Once you have a NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a consultant business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.
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More professions that are covered by NEXT

Acting Lessons, Adult Education, Art Class, Child Care, Computer Lessons, Daycare, Tutor
* 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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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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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.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. 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.