General Liability
Coverage for third-party bodily injury, property damage, and personal or advertising injury claims tied to your daycare operations, premises, activities, and visitor interactions.
Protect your childcare operation with insurance built for daycare risk, licensing deadlines, and parent trust. Soma helps in-home providers, licensed centers, preschools, Montessori programs, faith-based childcare, and multi-site operators secure tailored coverage quickly through specialty markets that understand infant care, transportation, staff exposures, property, and abuse and molestation liability without weeks of broker back-and-forth.
Soma structures daycare insurance around licensing, operations, enrollment, staff, property, and transportation exposures.
Coverage for third-party bodily injury, property damage, and personal or advertising injury claims tied to your daycare operations, premises, activities, and visitor interactions.
Specialized protection for sensitive childcare allegations, helping centers meet carrier, licensing, and contract expectations with coverage that is often excluded from standard policies.
Errors and omissions coverage for claims involving supervision, care decisions, educational activities, or alleged professional mistakes made while delivering childcare services.
Workers’ compensation coverage for employee injuries, helping protect teachers, aides, administrators, and support staff while supporting state compliance requirements.
Commercial property coverage for buildings, classroom equipment, furniture, fixtures, improvements, supplies, and other physical assets exposed to fire, theft, vandalism, or weather.
Coverage for daycare-owned vehicles, hired vehicles, and employee vehicle use, including vans or buses used for pickups, drop-offs, errands, and field trips.
Childcare insurance is not one-size-fits-all. A family daycare, infant program, preschool, church-attached center, and multi-site franchise each carries different liability, property, staffing, and transportation exposures. Soma streamlines placement with one application, specialty market access, and risk-focused analysis designed to keep providers compliant, protected, and ready for licensing or renewal deadlines.
Soma helps childcare providers move from uncertainty to coverage with a faster, more focused process.
Soma places complex childcare risks standard markets often surcharge, delay, or decline.
One application supports faster underwriting for licensing, renewal, and compliance deadlines.
Hundreds of carrier partners help match daycare operations with suitable specialty markets.
Risk experts review enrollment, ratios, property, staff, and transportation before placement.
Industry-focused insurance support for childcare providers.
Soma is built for businesses that need insurance handled quickly, clearly, and accurately. Instead of a slow traditional broker process, Soma’s Risk Management Team analyzes each operation, identifies real exposures, and places coverage through a broad network of carrier partners. For childcare providers, that means understanding enrollment, ratios, infant care, staff roles, facility needs, transportation, and licensing pressure before approaching markets. Soma has processed thousands of businesses and specializes in complex or hard-to-insure operations that standard brokers may avoid. The goal is simple: help daycare owners get the right coverage at the right price with less waiting, less chasing, and a more seamless experience.
Daycare insurance cost depends on your program type, enrollment, age groups served, payroll, staff ratios, location, claims history, property values, transportation exposure, and selected limits. Infant care, owned vans, prior claims, or multi-site operations can affect pricing. Soma uses one application and ratio- and enrollment-based underwriting to help identify appropriate coverage at the right price.
Get clear answers before your license or renewal deadline.
Access to hundreds of carrier partners.
Specialty markets for difficult childcare risks.
Expert analysis for accurate coverage placement.
Share your childcare operation details and Soma will help review exposures, carrier options, and next steps for fast coverage placement.
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.