Liability Insurance for Daycare Centers

Daycare centers typically need general liability for third-party bodily injury and property damage, abuse and molestation liability, professional liability, workers’ compensation, commercial property, and auto coverage if children are transported. Soma structures programs around how your center operates, including enrollment, age groups served, transportation, staffing, and whether you run from a licensed facility or in-home setting.

General liability helps cover third-party injury or property damage claims, such as a visitor slipping at your center or damage caused during operations. For childcare businesses, it is often only one part of the insurance stack. Daycare programs may also need abuse and molestation liability, professional liability, workers’ comp, property, umbrella, and auto coverage.

Abuse and molestation liability is designed to respond to claims involving alleged abuse, misconduct, or failure to supervise. Many childcare providers need this coverage because standard general liability policies may exclude or limit these exposures. Soma works with specialty carriers that understand daycare risks, including licensed centers, in-home childcare, preschools, faith-based programs, and infant care.

Professional liability, also called errors and omissions coverage, can help protect daycare providers against claims involving negligence, failure to supervise, mistakes in care, or failure to follow policies. It is especially important for centers with structured programming, infant care, special activities, or licensing requirements. Soma can include this coverage as part of a broader daycare insurance package.

If your daycare owns vans, buses, or other vehicles used to transport children, commercial auto coverage is usually necessary. If employees use personal vehicles for errands, pickups, or program activities, hired and non-owned auto coverage may also be important. Soma helps evaluate owned, hired, and non-owned auto exposure so transportation-related gaps are addressed.

Coverage requirements vary based on licensing rules, contracts, property leases, enrollment, employee count, and services offered. Many centers need proof of insurance for licensing or renewal, and some landlords or partners may require specific limits. Soma’s daycare insurance process is built for these deadlines, using one application and underwriting based on enrollment, ratios, and operations.

Quotes are based on factors such as enrollment, child-to-staff ratios, infant care, prior claims, years in operation, transportation, building ownership, payroll, and requested limits. Soma is designed for fast quote turnaround and places childcare coverage through specialty markets, including for daycare risks that standard brokers may decline or delay.

Yes. Soma works with hard-to-insure childcare providers, including infant care programs, in-home and family daycares, multi-site operators, centers with transportation, and businesses with prior claims or complex exposures. The Risk Management Team reviews your operations and places coverage with carriers that understand childcare risk rather than forcing a one-size-fits-all policy.