How much is daycare insurance?

The cost of daycare insurance can vary widely based on several factors, including the location of your daycare facility, the size of your operation, the number of children you care for, and the specific coverage options you choose. The type of facility you run will also affect the price -– whether it’s a daycare, Montessori school, nursery school, preschool, and other type of childcare center.

Here are some key factors that can impact the cost of daycare liability insurance:


The geographic location of your daycare can significantly affect your insurance premiums. Urban areas or regions with higher rates of claims may lead to higher insurance costs.

Size and Scope of the Daycare:

The size of your daycare facility and the number of children you care for can affect your insurance costs. Larger facilities with more children typically have higher premiums.

Coverage Limits:

The amount of coverage you select for your policy can impact the cost. Higher coverage limits generally result in higher premiums.


The deductible is the amount you must pay out of pocket before your insurance coverage kicks in. Choosing a higher deductible can lower your premiums, but it also means you’ll have more financial responsibility in the event of a claim.

Risk Factors:

Insurance providers assess the risks associated with your daycare. This includes evaluating your safety protocols, staff training, and the condition of your facility. Safer daycares may receive lower premiums.

Type of Services:

The specific services you offer at your daycare can affect the cost of some coverages, such as professional liability insurance. For example, if you provide additional educational or specialized services, it may lead to higher premiums.

Claims History:

Your daycare’s claims history can influence your insurance costs. A history of frequent claims or high-value claims may result in higher premiums.

Additional Coverages:

Depending on your specific needs, you may opt for additional coverages, such as abuse and molestation coverage or professional liability coverage. These will add to the cost of your insurance.

Insurance Provider:

Different insurance providers offer varying rates and coverage options. It’s essential to obtain quotes from multiple providers to compare costs and coverage.

Number of Employees:

Some coverages account for the number of employees. The more employees you have, the higher your workers’ compensation costs are likely to be. The type of work your employees do and the associated risks can also influence the cost.

Job Duties:

The specific job duties of your employees can affect the cost of workers’ compensation. For example, staff members responsible for physically demanding tasks or those who work with children with special needs may have different premium rates.

Due to these variables, it’s hard to provide an exact cost for daycare insurance without knowing the specific details of your daycare. We have experience with childcare insurance markets and can give you personalized quotes based on your daycare’s unique characteristics and requirements.

We can save you money

Remember that while insurance price are an important consideration, it’s equally important to ensure that your daycare’s insurance coverage adequately protects you against potential liabilities, as inadequate coverage could lead to significant financial risks in the event of an incident. We can help with that.

We compare quotes from multiple daycare insurance providers – at no extra cost to you. You pay the same amount as going direct to insurance carriers.All you have to do is fill out one simple form and we’ll get you the best coverage at the best rate.