Daycare Insurance

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 can 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 could 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 could 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.

No, ERGO NEXT does not require proof of a daycare provider license for insurance. You will not need your license number to sign up, but a background check will be required for coverage.

The number of children you’re allowed to care for depends on your license status, the licensing requirements in your state and the provider you have. ERGO NEXT insurance policies for daycare provide coverage for up to 50 children with a maximum 25:1 child-to-care-provider ratio.

ERGO NEXT does not offer insurance to providers who care for children overnight. Field trips and swimming pools are also not covered. Always be sure to check your policy for a full list of excluded activities.

ERGO NEXT daycare insurance policies provide coverage for up to 15 hours of childcare each day.

Unfortunately, at this time we are only able to offer insurance to in-home day care providers. This means that the child care provider must live in the home where child care services are being provided.

In case you purchase your policy online you will receive your policy documents via email within one business day of purchase. In case you purchase through an agent your agent will let you know when to expect your documents.

Our commercial and home daycare insurance packages are designed to protect your business from a variety of childcaring risks and financial losses related to:

Damage to someone else’s property

In your outdoor play area, a child kicks a ball through a neighbor’s window. The general liability coverage in your business insurance policy could help pay for the replacement.

Damages to your own daycare facilities or property

Here’s an example: A frozen pipe bursts and floods your facility, leaving a mess and damages to sleeping cots, art supplies, lots of toys and snacks. Commercial property insurance could help with costs.

Accidents that hurt a non-employee

Under your supervision, a child chips a tooth in your playground. Your daycare liability insurance coverage could help pay for medical costs and any resulting legal action against you.

Workplace injuries

An employee strains their back picking up a toddler. Workers’ compensation insurance could help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, 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.

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.