Daycare and Childcare Insurance Coverage Checklist
The coverages a daycare and childcare business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for child care centers and in-home programs. Priorities reflect typical exposure; confirm against ages served and transportation.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability (incl. Professional) | Covers injuries to children and claims over care provided. | Core | |
| Abuse & Molestation | Covers abuse allegations involving children — often excluded or sublimited; confirm the limit. | Core | |
| Accident Medical | Pays children's medical bills regardless of fault, reducing lawsuits. | Prevalent | |
| Commercial Property & Business Income | Covers the facility and lost tuition after a closure. | Core | |
| Commercial Auto / Hired & Non-Owned | Covers field trips and pickups. | Situational | |
| Workers' Compensation | Required in most states. | Core |
The coverage gap most often missed
The most commonly missed exposure for this class is infant sleep. About 3,500 U.S. infants die of sleep-related causes each year, and padded crib bumpers and inclined sleepers have been banned federally since November 2022 — yet some programs kept using them. Centers serving infants should confirm professional and abuse limits, keep cribs bare, remove any banned products, and log sleep checks.
Send us the checklist and we'll review your daycare and childcare coverage line by line, then market it across multiple carriers that compete for your account.
Related: Daycare and Childcare Insurance · Daycare and Childcare Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a daycare and childcare business need?
The core coverages for a daycare and childcare business are Commercial General Liability (incl. Professional), Abuse & Molestation, Commercial Property & Business Income, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my daycare and childcare coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.