Get a Daycare Insurance Quote Online

Daycare insurance cost per month is driven by your enrollment, ages served, staffing, payroll, location, building values, transportation, prior claims, and required limits. Infant care, multi-site operations, and programs using vans or buses may need additional underwriting. Soma uses one application to review these details and seek tailored pricing from markets that understand child care risk.

Daycare insurance can cover general liability, abuse and molestation liability, professional liability, workers’ compensation, commercial property, commercial auto, hired and non-owned auto, umbrella or excess liability, crime, employee dishonesty, and accident or participant medical coverage. The right package depends on whether you operate in-home care, a licensed center, preschool, church-attached program, or transport children.

Yes. Soma is built for online daycare insurance quote requests using one application. You provide details about your program, enrollment, staff, property, vehicles, and licensing requirements. The Risk Management Team reviews your exposures and works through specialty carrier access to help place coverage without the slow back-and-forth of a traditional broker process.

Many licensed daycare centers, in-home and family daycares, preschools, Montessori programs, faith-based programs, before and after-school care, multi-site chains, and child care businesses that transport children can request coverage. Soma also works with harder-to-insure segments, including infant care and operations that standard markets may decline or review more cautiously.

For a useful quote, be ready to provide your business structure, license status, enrollment count, age groups served, staff and payroll details, facility information, property values, vehicles used for transportation, prior losses, and required insurance limits. Contract, landlord, lender, or licensing requirements are also helpful because they can affect coverage types and limits.

Abuse and molestation liability is commonly requested for child care businesses because it addresses a major exposure that general liability may exclude or limit. Licensing bodies, landlords, franchisors, or partner organizations may require it. Soma includes this exposure in the quote review so providers can seek coverage aligned with their operating model and risk profile.

If your daycare owns vehicles, hires vehicles, or has employees use personal cars for business errands or child transportation, commercial auto or hired and non-owned auto coverage may be needed. Programs transporting children by van or bus often face closer underwriting, so Soma reviews vehicle use, drivers, schedules, and passenger exposure during the quote process.

A tailored daycare insurance package helps you address licensing, renewal, landlord, lender, and operational requirements. Coverage can also protect against injuries, property damage, employee injuries, professional mistakes, auto-related incidents, theft, and participant accidents. Soma’s process is designed to identify gaps and coordinate policies so your program is not relying on disconnected coverage.