Daycare insurance designed to protect your business
NEXT Insurance is a one-stop shop to help you get the affordable daycare insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:
- General liability
- Professional liability (E&O)
- Commercial auto
- Workers’ compensation
- Commercial property
You can save up to 25% in discounts on daycare insurance
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different daycare business insurance policies available and save up to 10% when you bundle two or more of our policies.
General Liability
Bought by 95% of business owners like you
General liability insurance covers a wide range of daycare accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by state governments.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Professional Liability (E&O)
Bought by 80% of business owners like you
Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of misplacing forms which list confidential health information about the children in your care, it could help cover related expenses to defend yourself.
professional liability can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Commercial Auto
For business owners who own or drive vehicles
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you tear off a side mirror while backing your work van out of a parking spot.
commercial auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation
For business owners who hire employees
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees, and you might need coverage before you can get your daycare license. Choose business owner’s coverage with your policy to protect yourself.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Commercial Property
For business owners who own or rent physical spaces
Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
How much does daycare insurance cost?
Daycare insurance quotes vary based on the risks that your business faces, such as:
- The kinds of care you provide
- Where your daycare center is located
- Your payroll and the kinds of jobs your employees do
- The type of vehicle you drive
Learn more about daycare insurance costs and coverage.
Daycare insurance requirements
Daycares are almost always required to have insurance due to the risk of injury to kids and property damage. You might need insurance to:
- Get a daycare license in your state.
- Start caring for children. Local governments might ask you to have active insurance — usually general liability or workers’ compensation.
- 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.
Frequently asked questions about business insurance
Here are some of the most common questions we get about insurance for daycare centers. 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.
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 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.Do I need to provide proof of my child care provider license to sign up?
No! We aim to make this process as quick and easy as possible, so that means you do not need to have your license number on hand before signing up.
How many children may I care for with this policy?
Our policies do not provide coverage for more than 18 children. The number of children you may care for depends on your license status, the licensing requirements in your state, and the number of providers you have.
I provide overnight child care. Am I still eligible for this insurance policy?
Unfortunately, at this time we are not able to offer insurance to providers who care for children overnight.
What is the maximum number of hours I can care for children per day?
Our policies provide coverage for up to 15 hours of child care each day.
Do you provide coverage for commercial centers as well?
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.
How long will it take to get my policy after I buy?
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.
What kinds of coverage does an In-Home Day Care policy provide?
Our policies provide General Liability, Professional Liability, and Accident & Health coverage
What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, 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.
How can I get a certificate of insurance (COI)?
Once you have a 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.
How do you file an insurance claim with NEXT?
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.
Get customized insurance wherever you do business
Learn more about insurance options in the state where you work.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
More professions that are covered by NEXT
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.