Tailored Insurance for Daycare Providers

Daycare providers typically need general liability, abuse and molestation liability, professional liability, workers’ compensation, commercial property, and accident or participant medical coverage. If your program owns or uses vehicles, commercial auto or hired and non-owned auto may also be needed. Soma structures coverage around your operation type, enrollment, staff ratios, age groups served, and licensing requirements.

Yes. Soma works with in-home and family daycare providers as well as licensed commercial centers, preschools, Montessori programs, faith-based programs, and multi-site operations. In-home childcare can still carry significant liability, property, professional, and abuse-related exposures. Coverage is typically tailored to your home-based setting, number of children, employees, and state licensing obligations.

Abuse and molestation liability helps protect childcare organizations against claims involving alleged abuse, misconduct, or negligent supervision. Many standard liability policies exclude or severely limit this exposure, making separate or endorsed coverage important for daycare operations. Soma helps providers find specialty carriers that understand childcare risk, including programs serving infants, toddlers, and school-age children.

Daycare insurance pricing is usually based on factors such as enrollment, age groups served, payroll, staff-to-child ratios, claims history, property values, transportation exposure, and requested coverage limits. Infant care and vehicle transport can affect underwriting because they increase risk. Soma uses one application and ratio- and enrollment-based underwriting to pursue accurate, right-priced coverage.

Quotes can often move quickly when your application includes enrollment numbers, staff count, licensing details, payroll, property information, transportation details, and prior claims history. Soma is built for licensing and renewal deadlines, helping avoid weeks of broker back-and-forth. Complex risks may require additional underwriting questions, but the process is designed to be fast and transparent.

Yes. Soma places coverage for daycare providers that transport children by van, bus, employee vehicle, or hired vehicle. Depending on your setup, you may need commercial auto, hired and non-owned auto, or additional umbrella limits. Underwriters typically review driver history, vehicle ownership, passenger capacity, routes, and safety procedures before offering terms.

Infant care is often harder to insure because infants require closer supervision and create higher severity exposure for injury, illness, and professional liability claims. Some standard carriers avoid this class entirely. Soma specializes in hard-to-insure childcare risks, including infant care operated from homes, licensed centers, preschools, and multi-site programs needing specialized carrier access.

Soma can help review your current coverage against your daycare’s actual operations, including enrollment, staff, vehicles, property, abuse liability, professional liability, and workers’ compensation. The goal is to identify gaps, overlaps, exclusions, or limits that may not satisfy licensing, landlord, lender, or renewal requirements before they become problems.