Insurance for Licensed Child Care Providers
Licensed child care businesses face real exposure. Injuries, allegations, licensing reviews, and property loss can all threaten your ability to stay open. We offer insurance that meets state requirements and protects how you operate, whether you're caring for children in a dedicated facility or in your home.
We work with in-home daycares and licensed child care centers across New York, New Jersey, and Connecticut, connecting them with insurance that fits their business.
Built-In Support for Risk Prevention
Every policy includes resources to help you stay compliant, reduce incidents, and respond effectively when something goes wrong.
Included with all insurance policies:
- Facility safety checklists and inspection prep
- Updates on licensing and insurance requirements
- Discounts on background checks and staff training
- Access to child care risk advisors
These tools help prevent disruption and keep your operation running.
Frequently Asked Questions
Most states require general liability and abuse and molestation coverage. Depending on your setup, you may also need property, auto, umbrella, and accident medical coverage. Our program is built to meet these requirements and support your operations.
In most cases, no. Homeowners policies often exclude business activity. You need dedicated child care liability coverage to meet licensing rules and protect against claims.
This coverage protects your business if a claim is made related to physical or sexual misconduct. It is required in many states and offers critical financial protection even in cases of false allegations.
Yes. If you're licensed or required to be licensed, you need insurance that matches those requirements. Even with a small group, you're still exposed to injury claims, licensing issues, and more.
We stay involved to help you respond quickly, provide documentation, and resolve the issue with as little disruption as possible.