CHILDCARE & DAYCARE

Childcare & Daycare Insurance

Protecting children, caregivers, and trusted environments

Childcare and daycare providers are entrusted with the safety, well-being, and supervision of children every day. This responsibility creates significant legal and operational exposure — even for well-run, compliant facilities.

A properly structured insurance program is essential to protecting children, staff, and the long-term viability of the organization.

Key Risks in Childcare & Daycare Operations

Childcare and daycare providers face exposure related to:

• Child injuries during supervised activities

• Allegations of inadequate supervision or care

• Abuse or molestation claims

• Premises liability for parents and visitors

• Employment practices and staff-related issues

• Licensing, regulatory, and compliance requirements

Claims can arise even when policies and procedures are followed.

Core Coverages for Childcare & Daycare Providers

Childcare and daycare insurance programs typically include:

General Liability
Protects against bodily injury and property damage claims involving children, parents, or visitors.

Abuse & Molestation Liability
Provides coverage for allegations of abuse or improper conduct, including defense costs.

Workers’ Compensation
Provides statutory benefits for employees injured on the job and protects employers from workplace injury claims.

Professional Liability
Covers claims alleging negligence or failure to provide proper supervision or care.

Commercial Property
Covers buildings, playground equipment, furnishings, and learning materials against covered losses.

What’s Commonly Overlooked

Childcare insurance programs are often weakened by:

• Missing or inadequate abuse & molestation coverage

• Failure to align coverage with licensing requirements

• Improper staff classification or background screening documentation

• Underinsured playground or outdoor equipment

• Gaps between liability and professional liability policies

These issues often surface during regulatory reviews or claims.

Real-World Claim Examples

• A child is injured during playtime

• A parent alleges inadequate supervision

• An abuse allegation triggers legal defense costs

• Fire or water damage forces temporary closure

Even unsubstantiated claims can be financially and reputationally damaging.

Why Proper Placement Matters

Childcare and daycare coverage varies significantly based on:

• Age groups served

• Facility size and layout

• Staff-to-child ratios

• State licensing and regulatory requirements

Improper placement can result in denied claims or regulatory penalties.

Our Approach

At Cory Washington & Co., we approach childcare and daycare insurance with a safety-first mindset. We align coverage with licensing standards, operational practices, and risk management protocols — helping providers focus on care, not uncertainty.

When children are involved, protection must be uncompromising.