Daycare providers insurance.
21,693 independent agencies across the country are licensed to write daycare providers insurance. Tell us what you need once and we route your request to a licensed independent agent who can compare program coverage from multiple carriers — not just one.
What daycare providers insurance can cover
- General liability
- Professional liability
- Abuse & molestation liability
- Commercial property
- Workers' compensation
- Commercial auto (transport)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Daycares insurance by state.
Pick your state to see local independent agencies and request quotes.
Frequently asked questions
Does my licensing status affect my insurance?
Program type and state licensing status shape what carriers will write and what coverage makes sense. An agent who knows child care can walk through it.
Is a home daycare covered by homeowners insurance?
Generally not for business liability — most homeowners policies exclude or sharply limit it. A child-care policy fills the gap.
What if we transport children?
Vehicles used for the program need commercial auto with appropriate limits. Tell the agent about pickups, drop-offs, and field trips.
Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.