Your daycare's commitment to safety shines even brighter, backed by the strength of specialized liability protection.
Specialty liability insurance solutions tailored to your needs. With customized solutions, you can go beyond standard protections and enhance your reputation as a safe and reliable choice for parents.
Comprehensive Coverage Options for Daycare Providers
Liability insurance is important for daycare facilities because it specifically addresses the unique risks that childcare facilities face every day. This coverage stands as a silent guardian, ensuring that you can continue providing a safe and nurturing environment for children or adults, even when unexpected incidents occur.
The truth is that the real cost of inadequate insurance is not measured in premiums saved but in the potential for catastrophic financial and reputational damage that could occur. By choosing a true partner in liability insurance, you solidify your commitment to safety and stability, ensuring that your daycare thrives no matter the challenges you face. This is about making a strategic decision that aligns with the values of your business and the trust placed in you by every parent and guardian. At XINSURANCE, we see beyond the policy to the partnership and the peace of mind it brings.
Who Should Have Daycare Insurance?
- Commercial Daycare Centers
- In-Home Daycare Providers
- After-School Care Programs
- Nursery Services
- Early Childhood Education Centers
- Preschools
- Montessori Schools
- And More!
Daycare Insurance Coverage Options
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
Active Shooter Liability
Liability protection in the event of an active shooting taking place on company property. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Riot and Civil Commotion Liability
Liability protection against claims made from a riot or civil commotion.
Special Events Liability
Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Daycare Insurance
What is daycare insurance?
Daycare insurance is a specialized form of business insurance designed to meet the unique needs of daycare providers. It provides protection against the financial risks associated with caring for children or adults, including accidents, injuries, or other incidents that could occur during business operations. This type of insurance is essential for safeguarding a daycare business from potentially crippling financial liabilities and ensuring that daycare providers can continue to operate smoothly and securely.
Can I get daycare insurance if I run a daycare from my home?
Yes, in-home daycare providers can and should obtain in-home daycare insurance solutions tailored to their specific needs. Homeowner’s insurance typically does not cover business activities, including running a daycare from your home.
Are volunteers covered under daycare insurance?
Yes, XINSURANCE can provide coverage solutions for volunteers under a daycare insurance policy. Be sure to mention this to us so each volunteer you want coverage for is scheduled.
Is daycare insurance required by law?
While requirements can vary by state and locality, many places do require daycare providers to carry certain types of liability insurance as a condition of licensing.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
How much does daycare insurance cost?
The cost of daycare insurance varies based on factors such as the size of your daycare, the number of children or adults in care, the services you provide, your location, and much more. It is best to contact us and tell us more about your daycare so we can provide a personalized quote.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team for Tackling the Unexpected
Fighting for You Is What We Do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements Are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all.” Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All in One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Healthcare Facilities
We provide healthcare facility insurance solutions to hospitals, ambulatory surgical centers, urgent care clinics, nursing homes, birth centers, assisted living facilities, and more.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
