Customized solutions for daycare insurance.




If you’re a child or adult daycare facility, you know that lawsuits are very common in this industry. That’s why you need XINSURANCE. We specialize in liability insurance solutions that provide genuine protection for your employees and clients – and help pay for your legal defense in the event you’re ever forced into court.

We can help daycares of all kinds, including adult daycare centers, child daycare centers, at-home daycares, and more! If you’ve been declined coverage, non-renewed, or have more exclusions in your current coverage than you’d like, call us today. And let’s get you covered. We’re XINSURANCE, and we’re here to help.

daycare insurance
daycare insurance


What Can Daycare Insurance Cover?

Daycare insurance can cover businesses and individuals within the daycare industry. It provides protection for occurrences resulting from daycare-related activities or operations for which individuals or entities could be held legally liable. XINSURANCE provides an all-in-one approach that simply allows you to have multiple coverages under one policy. Examples of available coverages include:

  • Active Shooter Coverage
  • Alleged Assault & Battery Liability
  • Alleged Sexual Abuse & Molestation Liability
  • Animal Liability
  • Commercial Auto (available in most states)
  • Commercial General Liability
  • Communicable Disease Liability
  • Excess Casualty
  • Premises Liability
  • Professional Liability
  • Property Coverage
  • Tru Umbrella
  • And More!

Please note that we do not provide workers’ comp.

Daycare Liability Insurance in a Post-COVID World

As the world opens up, so do businesses and daycares. Something unique that we provide solutions for is coverage for communicable disease liability, which is an optional policy endorsement that enhances your existing insurance policy. Some of the coverage highlights for communicable disease liability include:

  • Defense and indemnification against allegations of negligence arising out of exposure to a Declared Pandemic Disease or Pathogen.
  • Coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19!

This innovative endorsement is designed to provide you the peace of mind to conduct business with the public in today’s uncertain times. Ask about adding this coverage to your current or new daycare insurance policy!

Learn more about communicable disease liability, here.


XINSURANCE is a full-service liability insurance partner that finds solutions for the most challenging risks.  We are powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus line insurance brokerage. We use an all-in-one approach to anyone looking for coverage, even if you’ve been canceled or non-renewed by your carrier. You’ll have true peace of mind knowing you have a trusted partner by your side whenever an accident or incident occurs. XINSURANCE is available in all 50 states.

Get Started With Your Daycare Insurance Quote Today!

Getting a quote with XINSURANCE is easy and there a few ways to get started! If you have questions, you can contact us at 877-585-2853 or If you’re ready to jump to the application, fill out the form on this page to begin the online application. Once you submit the online application, our in-house team of underwriters will review it and get back to you as soon as possible.

We also provide free policy reviews. Our experts can look at your current policy to identify any gaps or exclusions that are leaving you exposed. This no-obligation offer helps ensure true peace of mind for individuals and businesses alike.

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 30 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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