Insurance for home daycares.

Business liability for family childcare run from your home, with abuse and molestation coverage and accident medical for enrolled children. It covers the business your homeowners policy usually leaves out.

What home daycare providers usually carry

Home daycare liability
Abuse and molestation coverage
Accident medical for enrolled children
Daycare equipment and supplies
Workers’ comp, if you hire assistants
Umbrella

Watch for these in a home daycare policy

Your homeowners policyMost homeowners policies exclude a paid home daycare, or add it back only by endorsement with low limits. Many carriers will not offer that endorsement at all.
Adults in the homeA spouse, older child, or other adult living in the home can be part of a claim. Many carriers require them to pass background checks too.
Your license and ratiosYour state sets the license, the number of children, and the adult-to-child ratio. Going over your approved count can put coverage at risk.
Pools and trampolinesMany home daycare policies exclude pools and trampolines, or require fencing and locked access. Tell us what is in your yard.
Driving childrenTaking enrolled children in your own car is business use, which many personal auto policies do not expect. Tell your auto insurer before you do it.

What licensing agencies, landlords, and parents ask home daycare providers for

Proof of liabilitySome licensing agencies want proof of liability coverage before you enroll children, and others require you to tell parents if you have none.
Landlord approvalIf you rent, your landlord may need to approve the daycare and be named on your liability.
Your limitParents often ask what limit you carry and whether it covers abuse allegations.

Questions home daycare providers ask

Straight answers.

The questions we hear most, answered plainly.

Will my homeowners insurance cover a child hurt in my home?

Usually not, if you are paid to care for them. Most homeowners policies exclude business activity, and a home daycare is a business.

Does the policy cover my assistant?

Paid assistants and substitutes can be covered for liability while they work for you. Many states also require workers’ comp once you have an employee.

What if I care for more children than my license allows?

A claim from an over-capacity or unlicensed daycare may be denied. Stay within the rules your state sets, and tell us if your approved count changes.

How fast can I get a certificate?

Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.

Can I pay monthly?

Yes. Most policies can be paid in full or monthly.

Childcare and education

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

Tutoring

Professional liability, General liability, Abuse and molestation coverage

Private schools

Property and business income, General liability, Educators legal liability

After-school programs

General liability, Abuse and molestation coverage, Accident medical for enrolled children

Daycares and childcare centers