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Costs and Coverage for Child Care Insurance

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How Much Does Child Care Insurance Cost?

Child care business insurance costs are as different as the children you care for, and our insurance policies are tailored to meet your business’ individual needs. Your insurance policy should provide the protection you need, and we have policies that are customized so you get what you need, and don’t pay for things you don’t need.

We take your specific child care business insurance cost into account, so you can rely on the fact that you’re getting the coverage you need at a price you can afford. We keep it simple by creating plans that you can pay monthly or annually — whichever works best for you. There are no extra fees or hidden costs. You can depend on $0 deductibles on all our child care policies, regardless of which level of child care liability insurance coverage you choose. You can even benefit from unlimited, free certificates of insurance, available online whenever you need them, even if you need to add an additional insured.

How Much is General Liability Insurance for Child Care?

General liability insurance for a child care costs our customers an average of about $450 annually, or $37 per month.

General liability insurance might just be the most important insurance for child care providers. This type of coverage could protect you from certain costs that can arise if a mistake or accident happens. It covers you for the scenarios that concern you, and even those that you never considered. It could cover:

  • Injuries to people other than you or your employees, including children in your care
  • Damage to property as a result of your business
  • Personal injury or slander claims, if you are accused of injuring someone else through your words or your writing

General liability claims are most often the ones you never see coming, and they include the situations are virtually impossible to anticipate. That makes it especially important.

Our average customer pays: $450 annually, or $37 per month
Per occurrence limit: $500,000-$1,000,000, depending on your policy
Aggregate policy limit: $500,000-$3,000,000, depending on your policy
Deductible: $0

How Much is Professional Liability/Errors and Omissions Insurance for Child Care?

Professional liability insurance is different than general liability insurance. While general liability insurance covers mistakes and accidents that can happen at any child care facility, professional liability insurance is more specific. Professional liability insurance for child care relates to claims that you did something wrong at your job.

If a parent claims that you didn’t spend enough time with their child and that has led to developmental delays, you could face a professional liability suit. If a parent suggests that you were negligent in the care you provided, a professional liability suit is possible.

We don’t sell professional liability insurance for child care as a separate policy. Instead, it’s part of the child care insurance cost you already pay in every child care insurance policy we sell, at no extra cost. This means that no matter what level of coverage you choose for your business, you’ll also have professional liability insurance for child care. With this level of coverage, you can focus on doing the things you love: teaching children, playing with children, and whatever comes your way next.

Most of our customers pay: An additional 4-8% for this coverage, which is reflected in the total policy cost
Per occurrence limit: $500,000-$1,000,000, depending on your policy
Aggregate policy limit: $500,000-$3,000,000, depending on your policy
Deductible: $0

Choose the Plan that’s Right for You

starting from $33 per month


General and Professional Liability

$500,000 aggregate limit
$0 deductible

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General and Professional Liability

$1,000,000 aggregate limit
$0 deductible

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Pro Plus

General and Professional Liability

$3,000,000 aggregate limit
$0 deductible

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What’s Covered by Child Care Insurance?

Bodily injury

Bodily injury

A child slips and falls at the daycare on a rainy day. They get a concussion and require an emergency room visit.
Advertising harm

Advertising harm

A child care center in the next town over claims you copied their advertising strategy and sues you for damages.
Libel, slander and defamation

Libel, slander and defamation

A parent catches one of your employees bad-mouthing them on social media and decides to sue you.
Property damage

Property damage

You accidentally break a child's expensive handheld gaming device from home and their parents demand $1,000.
Medical payments

Medical payments

A child trips in your house while running around and burns their hand on the stove. They make a trip to the ER. They ask you to pay for the $5,000 medical bill.
Professional Liability

Professional Liability

A child's parent claims you didn't teach them properly, and hampered their development. They decide to sue.

Activities including

Child care

Other similar activities

Care and supervision of children in a similar manner

What’s Not Covered by This Policy?

Certain types of injuries

Injuries or damage involving or related to animals
Physical, mental, or emotional harm to yourself, employees, or clients
Bodily injury, property damage, or personal and advertising injury caused by animals
Bodily injury, property damage, or personal and advertising injury to a client caused by damage to animals (e.g. mental anguish from animal death)
Access or disclosure of confidential or personal information and electronic data

Certain types of activities

Grooming or cosmetic services to children
Teaching sports or other athletic activities
Healthchare for children, including giving pharmaceutical drugs
Corporal punishment

Activities with certain types of equipment

Trampolines other than those less than 4 feet in diameter and less than 2 feet above floor level
Wall climbing on walls greater than 10 feet in height
No operation, supervision, or use of any swimming or wading pool except plastic wading pools no deeper than 18 inches and no bigger than 8x8 feet
This is a brief summary of your policy and does not supersede the policy documents. If you want full details, please contact us.

Why Choose Next Insurance for Your Child Care Insurance Coverage?

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