New Hampshire Daycare Insurance: Coverage & Requirements

New Hampshire daycare providers commonly need general liability, workers’ compensation when they have employees, property coverage, professional liability, and abuse and molestation liability. Programs that transport children may also need commercial auto or hired and non-owned auto. Exact requirements can depend on licensing status, contracts, landlords, lenders, enrollment size, and whether care is provided in-home or at a commercial facility.

Daycare insurance cost is usually based on enrollment, age groups served, payroll, staff ratios, location, building type, prior claims, transportation, and whether infants are included. In-home providers may price differently than larger licensed centers or multi-site programs. Soma uses one application and ratio- and enrollment-based underwriting to help match your operation with appropriate carrier options.

Yes. Soma places coverage for in-home and family daycare providers as well as licensed centers, preschools, Montessori programs, and church-attached child care programs. In-home providers still face liability, property, abuse and molestation, professional care, and employee injury exposures. Coverage should be structured around your licensing status, household setup, number of children, and any transportation or assistant staffing.

Abuse and molestation liability helps respond to allegations involving abuse, inappropriate conduct, or failure to protect children. For child care operations, this is often one of the most important specialty coverages because standard liability policies may exclude or limit it. Carriers may review hiring practices, background checks, supervision procedures, staff training, and written safety policies before offering terms.

Workers’ compensation generally applies when a daycare has employees such as teachers, aides, administrators, cooks, or drivers. It helps cover work-related injuries and can support compliance with employment obligations. Because daycare staff may lift children, manage playground activity, clean classrooms, and handle physical supervision, workers’ compensation is an important part of a complete insurance program.

A personal auto policy may not cover business use, especially when transporting children for a daycare. Commercial auto can cover owned vans or buses, while hired and non-owned auto can address rented vehicles or employee-owned cars used for daycare errands, pickups, drop-offs, or field trips. Soma helps determine which auto coverage fits your actual transportation exposure.

Soma’s daycare process is built for licensing and renewal deadlines. With one application, the Risk Management Team reviews enrollment, staffing, transportation, property, and coverage needs, then approaches specialty carriers that write child care risk. Quote timing depends on underwriting complexity and carrier response, but the goal is to avoid weeks of broker back-and-forth.

Yes. Soma specializes in complex and hard-to-insure businesses, including child care risks that standard markets may decline. Prior claims, infant care, transportation, large enrollment, new ventures, or unusual program structures can make placement harder, but specialty markets may still be available. A complete application and clear safety procedures can improve underwriting outcomes.