You work hard to create a supportive, safe, and educational environment for the children in your care. But no matter how hard you work, accidents do still happen. What if there was a fire? Or theft? Or an accusation of abuse or molestation? Or a lawsuit? We can help provide policies that protect students, teachers, and supervisors when they are involved in a covered accident that occurs at your facility or during supervised external activities. We can discuss options like general liability, property coverages, workers compensation, professional liability, abuse, and molestation, accidental medical, and more. One of our main goals at Keslar Insurance is to have you feel confident that you are making an educated decision about the insurance coverage for your business.
What are the insurance policies we recommend for Daycares?
Business Owner’s Policy (BOP)
Worker’s Compensation
General Liability
Commercial Auto
Property Insurance
Employment Practices Liability (EPLI)
Commercial Umbrella
Cyber Liability
*In addition to these policies, we also recommend Abuse & Molestation coverage. To learn more about this type of coverage, give our agency a call today.
Daycares – Insurance FAQs
1. What insurance is essential for a daycare?
Core coverages include:
- General Liability
- Abuse & Molestation Coverage
- Commercial Property
- Workers’ Compensation
- Professional Liability (aka Educator’s Liability)
- Optional: Accident Medical, Cyber Liability, and Commercial Auto (for transport)
2. Why is Abuse & Molestation coverage important?
This protects the organization if there’s an accusation of physical or sexual abuse—even if unfounded. Many carriers require staff background checks and training to qualify for this.
3. Is General Liability enough for a daycare?
It’s a must, but it doesn’t cover everything. You’ll need additional coverage for professional activities, injuries to enrolled children, and potential lawsuits from parents.
4. Are enrolled children covered if they get injured?
Not automatically. Accident Medical coverage helps pay medical costs if a child is injured, regardless of fault. It often acts as secondary coverage to a family’s health insurance.
5. What if a parent sues us over supervision or curriculum?
Professional Liability helps cover claims related to negligent instruction, poor supervision, or alleged emotional harm.
6. Is Workers’ Comp required?
Yes—if you have employees. It covers injuries from lifting children, slips, or exposure to illness.
7. What if we use vans to transport kids?
You’ll need Commercial Auto insurance, plus proper driver screening and record-keeping.
8. Does insurance cover toys and playground equipment?
Yes, under your Business Property policy—though damaged or unsafe equipment may trigger liability claims if it causes injury.
9. Can we be covered for food-related illness?
If food you serve causes sickness, General Liability and Product Liability can step in. Keep logs of food prep and vendor sources for protection.
10. What if we’re temporarily shut down?
Business Interruption coverage can help with lost income, payroll, and relocation if your facility is damaged by a covered loss.
11. Do volunteers or part-time aides need coverage?
Yes. Either through Workers’ Comp or Volunteer Accident policies, depending on role and state law.
12. How can we reduce risk?
Staff training, safety audits, clear child–staff ratios, and working with an insurance partner who understands childcare risks go a long way.
