Daycare Insurance Costs and Coverage

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How Much Does Daycare Insurance Cost?

Daycares are as different as the children you care for, and our insurance policies reflect the uniqueness of your business. Your daycare insurance cost and policy will be specific to your needs; home daycare insurance costs will be different than those of a commercial center, and locations and services can also have an impact. Your specific daycare insurance cost will be based on a number of factors, such as where your daycare is located, how many employees (if any) you have, how many children you care for, and more.

Still, there are some costs that remain consistent for all our customers. You can rely on the fact that you can pay monthly or annually for your daycare insurance, whatever you prefer. There are no extra fees or hidden costs. You can depend on $0 deductibles on all our daycare policies, regardless of which level of daycare 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.

Whichever of our policies you select, you can be sure that your insurance provides the coverage that you need to work and expand your business with confidence. Take a look at the information below to get an idea of some of the daycare insurance coverage that we offer, but make sure to get a quote to find out what your daycare insurance cost would be. You can get your free daycare insurance quote online now and buy your insurance in just a few minutes. It’s available 24/7.

How Much is General Liability Insurance for Daycare?

General liability insurance for a daycare costs our customers an average of about $646 annually, or $54 per month.

General liability insurance might just be the most important insurance for daycare owners. 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 you worry about, 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: $646 annually, or $54 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 Daycares?

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

If a parents 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 daycares as a separate policy. Instead, it’s part of the daycare insurance cost you already pay in every daycare insurance policy we sell, at no extra cost. That fact means that no matter what level of coverage you choose for your business, you’ll also have professional liability insurance for daycare. With this level of coverage, you can handle that tantrum, feed that child, or handle 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 Daycare 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 daycare 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


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 Daycare Insurance Coverage?

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