General Liability
Coverage for third-party bodily injury, property damage, and personal or advertising injury claims involving your childcare business, including incidents that may occur at a center, home program, or preschool facility.
Protect your childcare business with commercial daycare insurance designed for licensed centers, in-home providers, preschools, Montessori programs, faith-based care, before/after-school programs, infant care, and transportation operations. Soma helps complex and hard-to-insure childcare providers secure tailored coverage quickly through specialty carrier markets, using one application and a streamlined process built around licensing, renewal, enrollment, and operational requirements.
Tailored childcare coverage for liability, staff, property, transportation, abuse exposure, and licensing requirements.
Coverage for third-party bodily injury, property damage, and personal or advertising injury claims involving your childcare business, including incidents that may occur at a center, home program, or preschool facility.
Specialized liability protection for claims involving abuse, misconduct, negligent supervision, or failure to prevent harm, often essential for licensed daycare centers, church-attached programs, and youth-focused operations.
Coverage for employee injuries or illnesses arising from daycare work, helping meet employer obligations and protect staff such as teachers, assistants, drivers, aides, and administrative personnel.
Errors and omissions coverage for claims involving professional childcare services, supervision decisions, care standards, or alleged failure to deliver appropriate services to children and families.
Protection for daycare buildings, business personal property, equipment, fixtures, learning materials, furniture, and improvements against covered losses such as fire, theft, vandalism, and weather-related damage.
Coverage for daycare-owned vans, buses, hired vehicles, and non-owned autos used in business operations, especially programs that transport children to school, activities, or field trips.
Share one application covering your childcare structure, enrollment, age groups, staff ratios, licensing status, property, transportation, payroll, and prior claims. Soma uses these details to understand the real risk profile before approaching markets.
Soma makes commercial daycare insurance faster, clearer, and better aligned with real childcare operations.
Soma specializes in complex childcare risks that standard markets often surcharge, delay, or decline.
One streamlined application helps reduce repetitive broker requests and keeps licensing timelines moving.
Coverage is shaped around enrollment, ratios, infant care, transportation, property, and staffing exposures.
Soma connects childcare providers with specialty markets including recognized national and hard-to-place carriers.
Specialists focused on complex commercial insurance placement.
Soma is built for business owners who cannot afford slow quotes, unclear coverage, or brokers that give up when a risk is complex. For childcare providers, that means understanding the pressures of licensing deadlines, parent trust, staff safety, infant care, transportation, and facility requirements. Soma’s Risk Management Team analyzes each operation instead of forcing every daycare into a generic policy package. With access to hundreds of carrier partners and experience processing thousands of businesses, Soma helps centers, in-home providers, preschools, faith-based programs, and multi-site childcare groups secure coverage that reflects how they actually operate.
Commercial daycare insurance is a package of business policies designed for childcare operations, including licensed centers, in-home daycares, preschools, Montessori programs, faith-based programs, and before/after-school care. Coverage commonly includes general liability, abuse and molestation liability, professional liability, workers’ compensation, property, commercial auto, umbrella coverage, crime, and participant accident medical protection.
Get clear guidance from specialists who understand childcare risk.
Specialty carrier access for complex business risks.
Specialty market support for childcare exposures.
Hard-to-place risk market access for businesses.
Tell us about your childcare operation, enrollment, staffing, transportation, and property needs. Soma will review your exposures and help move you toward the right coverage quickly.
To help us assist you faster, please include the reason for your message so the relevant team can reach out as soon as possible.
To help us assist you faster, please include the reason for your message so the relevant team can reach out as soon as possible.