Fast, affordable
day care insurance.
+ 100 MORE
How Casey works.
01
Tell us what you do
One conversation, in plain English. A specialist takes time to learn about your business, tell you what coverage you need, and build the application for you.
02
We shop the market
We compare more than 100 insurance companies and get quotes from the ones that fit your business best. No gaps, nothing you don't need.
03
Matched at the best rate
Compare real quotes side by side and bind the one you want. From then on we handle certificates, claims, and every renewal.
How much does day care insurance cost?
Market benchmarks, not quotes or guaranteed prices. Your premium depends on carrier underwriting.
General Liability
$40–$100/mo
Professional Liability
$40–$110/mo
Abuse & Molestation
$30–$90/mo
Workers' Comp
$150–$450/mo
What day care insurance covers.
Day care insurance is a combination of policies. Which ones you need depends on your headcount, your staff, and what your state licensing office requires.
Tell us about your program and we'll put together the right ones.
01
General Liability
Playground scrapes, allergic reactions, a parent's slip in the entryway — the line your licensing office checks first, and the foundation of the stack.
When it matters: a toddler comes off the slide wrong and the ER bill follows.
02
Professional Liability
Supervision and care decisions — the "you should have been watching closer" claim that GL alone doesn't answer. Written alongside GL so there's no gap between them.
When it matters: a child slips out an unlatched gate and the parents want answers.
03
Abuse & Molestation
The coverage licensing boards scrutinize hardest — and the one many policies quietly sublimit to almost nothing. We place real, affirmatively written limits.
When it matters: an allegation is made against a staff member — unfounded, but the defense costs are real.
04
Commercial Auto
Vans, field trips, and school pickups. Transporting children is rated exposure — personal auto won't answer for it, and licensing usually wants to see it covered.
When it matters: the van gets rear-ended on the afternoon school pickup.
05
Workers' Comp
Required in most states once you hire teachers or aides. Lifting injuries are the quiet driver of child care comp claims — right class codes keep the rate fair.
When it matters: an aide hurts her back lifting a two-year-old out of a crib.
Why day cares stay with Casey.
Casey is an independent insurance agency, which means we work for you, not an insurance company. We compare coverage and rates from more than 100 carriers to find the right fit for your business. Our technology takes care of the busywork, so quotes, certificates, and policy changes happen faster and your dedicated agent has more time to focus on you.
Claims advocacy
When something goes wrong, your broker works the claim on your side — not the carrier's.
Re-shopped every renewal
Most renewals are defensive. Ours aren't — we work the market ahead of time so the best terms find you every year, automatically.
Certificates, instantly
Self-serve COIs the moment a job site or landlord asks. No calling, no waiting, no office hours.
Day care insurance, answered.
What happens after I submit?+−
A licensed specialist will get in touch within a few minutes, take the time to learn about your business, and advise you on what coverage you need. From there, we shop the market to find the insurance company with the best value for you.
How much does day care insurance cost?+−
Headcount, staff, and transport set the number. 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 shop 100+ carriers and 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.
Does my homeowners policy cover an in-home day care?+−
No — homeowners policies exclude business operations, and a day care is unambiguously a business. A proper in-home day care policy satisfies licensing and usually costs less than providers expect.
Let's get started.
Send in your details and a licensed professional will be in touch shortly. Prefer to talk now?
In a hurry? Call (513) 866-3655