2026 Calculator
Daycare Insurance Calculator
Estimate your child care center insurance costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
Frequently Asked Questions
How much does daycare insurance cost in 2026?
Daycare insurance typically costs $3,000-$8,000 per year for a small to medium center. Costs depend on the number of children enrolled, staff ratios, facility type, and state regulations. Home daycares pay less ($1,500-$3,000) while large centers pay more.
What insurance does a daycare need?
Daycares need: General Liability (child injuries, slip/fall), Professional Liability (supervision errors), Abuse/Molestation coverage (required by most states and parents), Property coverage (equipment, supplies), and Workers Comp for staff.
Is abuse/molestation coverage required for daycares?
Most states require it for licensing. Even where not legally required, parents expect it, and it's essential protection. This coverage protects against abuse allegations involving employees or volunteers. Typical limits are $100K-$500K.
Does daycare insurance cover child injuries?
Yes. General liability covers injuries to children in your care - playground falls, cuts, bumps, and other common incidents. About 70% of daycare liability claims involve child injuries. Proper supervision and safety protocols reduce claims.
How does staff-to-child ratio affect insurance?
Lower ratios (more staff per child) can reduce premiums because better supervision reduces injury risk. Most states mandate minimum ratios (e.g., 1:4 for infants, 1:10 for school-age). Meeting or exceeding requirements can lower your insurance costs.