Daycare Insurance in Pennsylvania

Daycare insurance in Pennsylvania 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 Pennsylvania so you are always protected against unpredictable events. The most common insurances packages bought by daycare business in Pennsylvania include:

General liability

Professional liability

Commercial auto

Commercial property

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

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

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)

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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Commercial Auto

For business owners who own or drive vehicles

Commercial auto insurance helps to protect your [cob] business from unexpected expenses if you or your employees are involved in a driving-related accident. Whether you have a single work truck or a small fleet of delivery vehicles, a commercial car insurance policy helps to keep you on the road.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

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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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What's the price of daycare insurance in Pennsylvania?

The amount of money you can expect to pay for daycare insurance in Pennsylvania 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

How many vehicles you use for business

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

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Why does a daycare in Pennsylvania need business insurance?

A daycare business in Pennsylvania 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.

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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 Pennsylvania?

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

Does NEXT Insurance offer Commercial Auto coverage for daycare business in Pennsylvania?

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

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 Pennsylvania

Daycare insurance in Pennsylvania designed to protect your business

Save up to 30% on daycare business insurance in Pennsylvania