Insurance for
day care & child care
Protect your program, your staff, and your license. Casey covers in-home day cares, centers, and preschools — general liability, professional liability, and abuse & molestation coverage in one place, at the limits your state licensing office requires. One conversation in plain English: we compare the whole market and bring back the best value for your risk.
What it is
What day care insurance covers.
State licensing is the reason most providers call — but the license requirement is just the floor. Most child care programs carry these five lines.
You don’t need to know which ones you need. Tell us about your program and your broker builds the stack — at the limits your state names.
Who needs it
Every kind of program — priced differently.
In-home providers
Your homeowners policy excludes business operations — running a licensed day care at home needs its own coverage. Priced by headcount, usually less than providers expect.
Centers & multi-classroom programs
Staff, transport, and premises exposure priced by licensed capacity. We match the limits to your state’s requirements and your lease’s.
Preschools & pre-K programs
Curriculum adds professional exposure to the care exposure. Both lines, written together, without paying twice for the overlap.
After-school & summer programs
Seasonal headcounts, field trips, and transport. We rate the program you actually run, not a year-round worst case.
Opening your first program
Licensing wants proof of coverage before it issues the license — we quote from your application details and get you proof fast, so insurance is never the holdup.
Something in between?
Describe your program and headcount in the form — that’s what your broker prices.
Insurance without the homework.
01
One conversation
Tell us what you do in plain English. We ask the right questions, tell you what coverage you need, and build the application for you.
02
Pay less for more
Our technology scans the market and finds the best value for your risk. Your broker then tailors the coverage — no gaps, nothing you don’t need.
03
White-glove service
Instant self-serve COIs. Around-the-clock support for everything else. No office hours, no waiting on a callback.
04
A broker who picks up
A licensed broker owns your account through every renewal. Call, and someone who knows your business answers.
Common questions
Day care insurance, answered.
How much does day care insurance cost?
Headcount, staff, and transport set the number. As a rough anchor, General Liability for an in-home day care often runs $450–$1,200 a year; centers price by licensed capacity, and abuse & molestation limits move the number. We quote the limits your state actually requires.
My licensing office needs proof of coverage before it issues the license.
The most common reason providers call us. We quote from your license application details, bind, and get you proof the same day — with the coverage types and limits your state names, so it isn’t bounced back.
What is abuse & molestation coverage, and do I really need it?
It responds to abuse allegations against staff or volunteers — including the cost of defending unfounded ones. Many states require it for licensure, and many policies quietly sublimit it. It’s the line we scrutinize hardest on your behalf.
Are field trips and daily van pickups covered?
With commercial auto and properly written GL, yes — transport of children is rated exposure, and your personal auto policy won’t answer for it. Tell us your routes and vehicles; licensing usually wants to see this piece too.
Does my homeowners policy cover an in-home day care?
No — homeowners policies exclude business operations, and a day care is unambiguously a business. Some insurers offer small endorsements, but they rarely satisfy licensing requirements. A proper in-home day care policy does, and usually costs less than providers expect.
Let’s get started.
Send it in and a licensed broker calls you back right away.
Want to speed up your quote?