Calculate daycare insurance costs. GL, professional liability, abuse/molestation coverage for child care centers and preschools. Based on 2026 insurance data.
Calculate Your PremiumDaycare insurance protects child care centers from claims related to child injuries, supervision errors, and abuse allegations. Abuse/molestation coverage is required by most states for licensing.
In 2026, daycare insurance costs $3,000-$8,000 per year for a small to medium center. Child injuries account for 70% of all daycare liability claims. Proper staff ratios and safety protocols reduce premiums.