Daycare Liability Insurance

small business owner protected by Daycare Insurance

Daycare Insurance Dedicated to Your Business

As a daycare provider, you’re always putting others first. But who’s there to make sure you’re taken care of when you need it? Daycare insurance was made specifically to help protect businesses like yours. Our partner, Tivly, can help you get the coverage you need as you care for kids.
 
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small business owner protected by Daycare Insurance
small business protected by daycare business insurance

Why Is Daycare Business Insurance Important?

Insurance for daycare businesses was made to help you stress less and give you peace of mind with a policy that helps protect your business. With the right business insurance coverage, you can help protect your daycare from the unexpected.
daycare owner happy to be protected by childcare business insurance

Who Needs Childcare Business Insurance?

  • Daycare centers and facilities
  • After-school programs in a daycare
  • Preschool and early education centers
  • Childcare cooperatives
  • Church or community daycare programs
small business protected by insurance for daycare

What Type of Insurance Do I Need for My Daycare Business?

The type of daycare insurance coverage you need depends on the risks you face. Many daycare centers start with a Business Owner’s Policy (BOP). But just note that this may not be enough coverage. For example, if you have employees, your state may require you to have workers’ compensation insurance.
A BOP combines three essential types of coverage into a single policy to help protect your daycare facility from common risks, including:
 
While a BOP is a good starting point, you may need other types of insurance to have comprehensive protection.
 
 

How Much Does Daycare Insurance Cost?

Daycare insurance costs vary because every business owner has unique needs and faces different risks. Insurers also use various factors to determine rates. This can include your daycare’s:
 
  • Claims history
  • Number of employees
  • Location
While The Hartford doesn’t provide insurance for daycare businesses, we can offer a general estimate on insurance costs. On average, The Hartford’s small business customers in other industries pay $1,687 a year, or about $141 a month, for a BOP.**
 
The best way to find out how much daycare insurance costs is to get a quote from our partner, Tivly.

Taking Care of Your Team

No matter the size of your team, taking care of your staff is vital to your business’ success. From work-related injuries or illnesses to unexpected lawsuits and liabilities, childcare business insurance helps cover your team when issues arise.
The total cost of workplace injuries in 2022 was $167 billion.2
workers' compensation Insurance for daycares

Workers’ Compensation Insurance

“One of my employees tripped and sprained his ankle while cleaning up toys. He couldn’t come to work for two weeks while he recovered.”
 
Workers’ compensation insurance gives your daycare staff benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
Professional Liability Insurance for daycares

Professional Liability Insurance

“We pay close attention to allergens in the classroom, but something must have slipped through because one of the kids had a skin reaction after snack time. The parents were not happy and ended up suing our daycare.”
 
Professional liability insurance can help protect your daycare from claims that it made a mistake in the professional services given. It can help pay legal costs, attorney fees and any judgments or settlements.

Protecting Your Property

Childcare insurance helps protect your facility and the essential equipment inside it. Getting the right insurance coverage can help you provide a safe environment without worrying about paying out of pocket for unexpected disasters or damages.
Water damage is a leading cause of commercial real estate claims.3
commercial property coverage for daycares

Commercial Property Insurance

“When a pipe burst, water quickly spread everywhere, damaging furniture and equipment we use every day. When we found out the total cost of replacing it all, I didn’t know how we’d afford it.”
 
Commercial property insurance helps protect your business' physical assets, such as equipment, furniture and personal property from loss or damage caused by events like storms, fires or vandalism.
commercial auto Insurance for daycares

Commercial Auto Insurance

“One of our drivers was on her way to do an after-school pickup when she lost control of the van. She ended up swerving and crashing into a guardrail.”
 
Commercial auto insurance can help keep you and your employees safe on the road if you’re driving business-owned vehicles for work.

Protecting Your Operations

Lawsuits and property damage can threaten your daycare’s finances and operations. With the right type of business insurance, you can have peace of mind knowing you’re protected from the unexpected.
The average settlement for slip-and-fall accidents is between $10,000 and $50,000.4
business income insurance for daycares

Business Income Insurance

“After a big fire, the town and fire department closed our building so they could assess the damage. We couldn’t run our daycare while repairs were being made, which meant we had to refund tuition payments.”
 
Business income insurance helps replace your lost income if you can’t operate because of covered property damage. You can use this coverage to help pay for your daycare’s ongoing expenses, like bills, payroll, rent or mortgage payments.
General Liability Insurance for daycares

General Liability Insurance

“Our cleaning staff had just mopped the lobby floors when a parent slipped and fell. We had to call an ambulance because he twisted his ankle and couldn’t get up.”
 
If someone gets hurt in your daycare or your business causes property damage, general liability insurance can help pay their medical bills or repair costs. If your daycare gets sued, this coverage can help pay the legal fees.

Daycare Insurance Made for Your Business

Running a daycare center means you face unique risks every day. That’s why getting the right type of daycare insurance is important. Get a quote from our partner, Tivly, to get the coverage your business needs.

Frequently Asked Questions About Insurance for Daycare Businesses

Daycare insurance is a collection of business insurance coverage that helps protect your business from claims related to bodily injury, illness or property damage that may occur at your facility. For example, if a child or employee is injured while in your care, your insurance can help cover medical expenses and potential legal costs. It also helps protect your daycare’s equipment, such as cribs, playsets, books and tablets, so your business operations aren’t interrupted by unexpected incidents.
Daycare insurance is critical because it helps protect your center from risks that can come up during normal operations. It can help protect your daycare’s property and staff, in addition to covering your business from liability risks. Without coverage, you may have to pay out of pocket for claims, which could put your business at a higher risk of closing.
small business owner is happy after getting a daycare insurance quote from The Hartford

Get a Quote for Daycare Insurance

Get the protection you need from our partner, Tivly, and keep your daycare running successfully.
 
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Last Updated: April 8, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 Risk & Insurance, “Water Damage Is a Leading Cause of Commercial Real Estate Claims. How Sensor Technologies Help Mitigate These Claims”
 
3 National Safety Council (NSC), "Work Injury Costs"
 
4 Forbes, "Slip-and-Fall Lawsuit Settlements"
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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