Daycare & Childcare Insurance

Daycare & Childcare Insurance

Protecting children, staff, and the care environment

Daycare and childcare operations face high levels of responsibility involving supervision of children, staff conduct, facility safety, and regulatory compliance. Whether operating a daycare center, preschool, in-home childcare, or after-school program, providers must manage risks related to injuries, abuse allegations, property damage, and licensing requirements. Even with strict procedures in place, claims can arise from everyday activities.

Properly structured insurance helps protect the business, the children in care, and the long-term stability of the operation.

Key Risks in Daycare & Childcare Operations

Childcare providers face exposure related to:

• Injuries to children during care

• Abuse or misconduct allegations

• Staff or volunteer actions

• Property damage or fire loss

• Licensing or regulatory issues

• Transportation-related incidents

• Parent or guardian disputes

Claims can arise even when proper supervision is maintained.

Core Coverages for Daycare & Childcare Businesses

Childcare insurance programs typically include:

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

Professional Liability
Covers claims related to supervision, care decisions, or failure to perform duties.

Sexual Abuse & Molestation Liability
Protects against allegations involving children, staff, or volunteers.

Commercial Property
Covers buildings, playground equipment, furniture, and business contents.

Workers Compensation
Provides coverage for employee injuries as required by law.

Commercial Auto (when applicable)
Covers vehicles used to transport children.

Umbrella / Excess Liability
Provides additional limits for severe or multi-claim situations.

What’s Commonly Overlooked

Childcare insurance programs are often weakened by:

• Missing abuse or molestation coverage

• Inadequate liability limits

• Failure to cover transportation exposure

• Incorrect staff classification

• No professional liability coverage

• Underinsured property values

These problems often appear only after a claim occurs.

Real-World Claim Examples

• A child is injured on the playground

• An allegation is made against a staff member

• Fire damages the daycare facility

• A transportation accident occurs

• A parent files a negligence claim

Even one claim can threaten the future of the business.

Why Proper Placement Matters

Childcare coverage varies significantly based on:

• Number of children

• Age groups served

• Type of program

• Staff-to-child ratios

• Transportation exposure

• State licensing rules

Improper placement can result in denied claims or loss of licensing compliance.

Our Approach

At Cory Washington & Co., we structure daycare and childcare insurance programs based on how your facility actually operates — including supervision levels, staffing, transportation, and licensing requirements. We coordinate liability, abuse coverage, property, and professional protection to ensure your coverage meets both regulatory standards and real-world risk.

When children are in your care, the right protection matters.