General Liability
Protects against third-party bodily injury, property damage, and personal or advertising injury claims that can arise from daily daycare operations, visitors, families, vendors, or facility-related incidents.
Daycare liability insurance should protect your children, staff, property, and licensing requirements without slowing down operations. Soma helps in-home providers, licensed centers, preschools, Montessori programs, faith-based programs, franchises, and transportation-based childcare operations compare tailored coverage, costs, and quotes through specialty markets that understand hard-to-insure daycare risks.
Flexible daycare insurance options for liability, property, staff injuries, transportation, and specialty childcare exposures.
Protects against third-party bodily injury, property damage, and personal or advertising injury claims that can arise from daily daycare operations, visitors, families, vendors, or facility-related incidents.
Addresses a critical childcare exposure by helping protect against claims involving abuse or molestation allegations, including legal defense needs and requirements often tied to licensing, leases, or partner contracts.
Covers claims alleging negligence, mistakes, or failure to provide appropriate professional childcare services, including supervision-related concerns that may not be fully addressed by general liability alone.
Helps cover employee injuries and occupational illness for daycare staff, teachers, aides, and assistants while supporting compliance with state workers’ compensation requirements where applicable.
Protects daycare buildings, classroom contents, equipment, fixtures, improvements, and supplies against covered events such as fire, theft, vandalism, weather damage, or other property losses.
Provides liability and physical damage coverage for daycare-owned, hired, or non-owned vehicles used to transport children, run errands, or support business operations.
Daycare operators face risks that ordinary business policies often miss, from child supervision and infant care to transportation, property, employee injury, and licensing deadlines. Soma helps simplify coverage with one application, ratio- and enrollment-based underwriting, and access to specialty carriers prepared to write childcare operations that many standard markets decline.
Soma helps childcare providers move from uncertainty to practical, tailored insurance options.
Soma specializes in complex businesses and hard-to-insure daycare risks standard markets often decline.
One application helps reduce broker back-and-forth while keeping licensing and renewal timelines moving.
Coverage is customized around enrollment, ratios, transportation, property, staffing, and infant care exposures.
Soma’s Risk Management Team analyzes operations to help place accurate coverage at the right price.
Insurance guidance for complex childcare businesses.
Soma is built for business owners who need commercial insurance completed quickly, accurately, and affordably. The company focuses on complex and hard-to-insure operations across industries, including childcare providers that may face stricter underwriting because of infant care, transportation, staffing ratios, prior claims, or licensing requirements. Instead of long broker delays, Soma uses a streamlined process, one application, and an expert Risk Management Team to understand each operation and place coverage through hundreds of carrier partners. For daycare owners, that means practical guidance across general liability, professional liability, abuse and molestation coverage, workers’ comp, property, auto, and excess liability—structured around real operational risk.
Daycare liability insurance typically includes general liability for third-party injury or property damage, professional liability for care-related mistakes, abuse and molestation liability, workers’ compensation, commercial property, auto, umbrella coverage, crime, and participant accident medical. The right combination depends on your daycare type, enrollment, staffing, transportation, infant care, and licensing or contract requirements.
Get clear answers before choosing daycare coverage.
Access to established commercial insurance markets.
Dedicated analysis for complex business exposures.
Coverage placement for hard-to-insure childcare operations.
Share your daycare structure, enrollment, staff details, and coverage needs. Soma will review your exposures and help move you toward fast, tailored quote options.
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.