Coverage Guide
Daycare Insurance Coverage Guide
Child care center liability and abuse coverage
Abuse/Molestation Coverage Required
Most states require abuse/molestation coverage for child care licensing. Parents also expect this protection. Even one allegation without coverage could close your business permanently.
Coverage Types
General Liability
Child injuries, slip/fall
$2,000
Base Annual
Professional Liability
Care errors, supervision
$800
Base Annual
Abuse/Molestation
Required for child care
$1,500
Base Annual
Business Property
Equipment, supplies
$1,200
Base Annual
Daycare Type Rate Factors
| Type | Description | Rate Factor |
|---|---|---|
| Home Daycare (1-6 kids) | In-home care | ×0.7 |
| Small Center (7-25 kids) | Small licensed facility | ×1 |
| Medium Center (26-75 kids) | Mid-size facility | ×1.25 |
| Large Center (75+ kids) | Large licensed facility | ×1.5 |
| Preschool | Educational focus | ×1.1 |
| After-School Program | School-age children | ×0.85 |
*Large centers have highest rates due to more children and higher exposure