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Daycare insurance in California, made simple.

Straightforward general liability coverage for the people who care for everyone else. Get an instant estimate, then let a daycare specialist handle the details.

Instant estimate—in most cases within 5%
Licensed daycare specialists
We'll bind your insurance and start coverage today
Coverage built around child care

Free instant estimate

See your price

Ten quick details. Your estimate appears immediately.

$
The total annual wages reported on W-2s for your daycare employees. Do not include payments to 1099 contractors.
$
The replacement cost of daycare-owned furniture, equipment, toys, learning materials, appliances, and supplies. Exclude the building and anything owned by your landlord.
$

Cooking or food preparation?

Your information is secure. By submitting, you agree Soma may contact you by phone or email about this quote.

10-minute callback Monday–Saturday, 8 AM–8 PM Eastern; next business morning after hours.
Licensed agents Secure formNo obligation

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PHLYPhiladelphia
Insurance Companies
Markel
The Hartford
THREEby Berkshire Hathaway
PHLYPhiladelphia
Insurance Companies
Markel
The Hartford
THREEby Berkshire Hathaway
PHLYPhiladelphia
Insurance Companies
Markel
The Hartford
THREEby Berkshire Hathaway

Daycare is all we're talking about

Coverage that understands the room you're in.

General liability for a daycare is not the same as coverage for a store or an office. We focus on child care operations, so your first conversation starts with the details that actually matter.

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The essential protection

Help protect your center from everyday third-party injury and property damage claims.

Child-count aware

We start with the size of your enrollment and then refine coverage around your operations.

A specialist on your side

Get a real person who knows daycare questions and can keep your application moving.

Built to move quickly

We'll bind your insurance and start coverage today, subject to underwriting and payment.

Children learning with their teacher at a daycare center

Your center is unique. Your coverage should know that.

What your policy can protect

Confidence for the everyday what-ifs.

Slip-and-fall and third-party injury claims
Property damage caused by your operations
Legal defense costs for covered claims
Optional abuse and molestation coverage review

Coverage availability and terms vary by carrier and state. Your specialist will confirm what is available for your daycare.

Customer stories

Daycare owners say…

Real experiences from daycare businesses we have helped.

“Soma found us a better option quickly and helped us save around $1,000 a year. The process was simple, and we had coverage ready the same day.”
SD

Daycare Director

Sacramento, California

“We had tried several places and could not find anyone willing to cover our daycare. Soma understood our business, found the right carrier, and got it done fast.”
SJ

Childcare Center Owner

San Jose, California

Good to know

Quick answers

What does daycare general liability insurance cover?

It can help protect your daycare from covered third-party bodily injury, property damage, and related legal defense costs. Your Soma specialist will walk through the exact limits, exclusions, and optional coverages for your center.

Is this instant estimate my final price?

Not yet. The number shown is an early estimate based on the details you provide. In most cases, this estimate is within 5% of the actual price after a licensed specialist confirms your operations and coverage needs.

How quickly will someone contact me?

Submit Monday through Saturday between 8 AM and 8 PM Eastern and a daycare insurance specialist will call within 10 minutes. Outside those hours, we will call the next business morning.

Take care of your daycare. We'll help with the insurance.

Your instant estimate is only ten quick details away.

Get my instant estimate (903) 289-5495
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