Daycare & Childcare Insurance
"Little Ones Deserve the Biggest Protection."
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.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.