Insurance for a Daycare Business

Most daycare businesses need a package that includes general liability, abuse and molestation liability, professional liability, workers’ compensation, commercial property, and sometimes commercial auto. The right mix depends on whether you operate in-home care, a licensed center, preschool, Montessori program, faith-based program, or multi-site operation. Soma helps align coverage with your enrollment, staffing, facility, and transportation exposure.

Yes. Soma works with in-home and family daycare providers as well as licensed commercial centers. In-home providers may still need commercial coverage because homeowners policies typically exclude business-related child care claims. Coverage can address premises liability, professional care decisions, abuse and molestation allegations, property used for the business, and participant accident exposure.

Abuse and molestation liability helps protect a daycare business against allegations involving sexual misconduct, abuse, or negligent supervision. Even unfounded claims can create major legal defense costs and licensing concerns. Many child care providers, landlords, contracts, and licensing authorities expect this coverage because child supervision creates a uniquely sensitive risk profile.

If your daycare transports children by van, bus, or employee vehicles, you may need commercial auto, hired auto, and non-owned auto coverage. These policies can address liability and physical damage tied to business transportation. Soma can help structure coverage for owned vehicles, occasional staff driving, before/after-school pickup, field trips, and multi-location transport operations.

Daycare insurance pricing is usually based on factors such as enrollment, age groups served, staff count, payroll, property value, transportation, prior claims, operating hours, and licensing status. Infant care, abuse and molestation limits, commercial auto, and multi-site operations can affect pricing. Soma focuses on matching the daycare’s actual exposure to carriers that understand child care risk.

Soma is built for fast quote turnaround using one application and ratio- and enrollment-based underwriting. Timing depends on the completeness of your information and the complexity of the operation, but the process is designed to avoid weeks of broker back-and-forth. This is especially useful for licensing deadlines, renewals, lease requirements, and last-minute compliance needs.

Yes. Soma specializes in hard-to-insure child care risks, including infant care, in-home programs, centers with transportation exposure, new operations, multi-site programs, and businesses standard markets decline. Specialty carriers may still consider the account when the application clearly explains enrollment, staff ratios, safety procedures, licensing, claims history, and risk controls.

Workers’ compensation is generally important when a daycare has employees, teachers, aides, drivers, or administrative staff. It helps cover work-related injuries and can be required by state law, contracts, or licensing rules. Child care employees face lifting, slip-and-fall, playground, cleaning, and exposure-related risks, so workers’ comp is a key part of a complete insurance program.