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Daycare Insurance in New Jersey

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

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
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Save up to 30% on daycare business insurance in New Jersey

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

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

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

Professional Liability (e&o)

Bought by 80% of business owners like you
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 (e&o) can help you pay for:
Legal defense costs
Legal judgments
Learn more
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
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How much does insurance cost

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 $17  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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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.

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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 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?

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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