Insurance for In-Home Daycare Businesses

In-home daycare insurance commonly includes general liability, professional liability, abuse and molestation liability, commercial property, workers’ compensation when staff are involved, and auto coverage if children are transported. Soma structures coverage around your actual operation, including enrollment, age groups served, licensing requirements, property exposure, and whether care is provided from your home, a dedicated facility, or both.

A homeowners policy usually does not provide adequate protection for paid child care operations. Many policies exclude business activities, injuries involving enrolled children, or professional care-related claims. In-home daycare providers typically need dedicated commercial coverage that addresses child supervision, premises liability, participant injury, property used for the daycare, and licensing or contract requirements.

Cost is influenced by enrollment, staff count, ages served, state licensing rules, claims history, property exposure, transportation, and whether infant care is offered. Abuse and molestation limits, workers’ compensation, commercial auto, and umbrella coverage can also affect pricing. Soma uses one application to review these details and place coverage through carriers that understand child care risk.

Yes. Soma’s daycare program is built for licensed daycare centers, in-home child care providers, family daycares, preschools, Montessori programs, faith-based programs, and before or after-school care. Coverage can be structured to support licensing and renewal deadlines, including documentation for general liability, professional liability, workers’ compensation, property, and other required policies.

Abuse and molestation liability helps protect a daycare business against claims involving alleged abuse, misconduct, or failure to prevent harm. It is especially important for child care providers because standard general liability may limit or exclude these claims. Specialty daycare programs often include this coverage as a core part of the protection package.

If your daycare transports children by car, van, or bus, you may need commercial auto, hired and non-owned auto, or additional liability coverage. Personal auto policies may not respond properly when a vehicle is used for business purposes. Soma can account for owned vehicles, employee driving, parent pickups, field trips, and transportation requirements.

Soma’s process is designed for fast quote turnaround, especially when licensing or renewal deadlines are approaching. A complete application with enrollment, staff, operations, claims history, and transportation details helps underwriters respond quickly. The goal is to avoid weeks of broker back-and-forth while still matching coverage to the daycare’s actual risk profile.

Yes. Soma specializes in complex and hard-to-insure businesses, including child care providers that standard markets may decline. This can include infant care, prior claims, transportation exposure, new operations, or programs with unique structures. The Risk Management Team reviews the operation and works with specialty carriers willing to consider tougher daycare risks.