Commercial Daycare & Childcare Centers
Coverage for commercial daycare and childcare centers with staff, a dedicated facility, and larger enrollment.
Daycare insurance and childcare insurance specialists
Daycare Insurance Made Simple
Insurance solutions for daycare centers, childcare centers, in-home daycare providers, preschools, and before and after school programs.
- Childcare is our only focusDaycare and childcare insurance is all we do.
- Part of Nelson Insurance AgencyAn independent agency that can compare options from multiple insurers.
- 41 states servedDaycare and childcare businesses where Nelson Insurance Agency is licensed.
- Simple quotesStart online or call. No jargon, no pressure.
Who we insure
Insurance for every kind of childcare business
A ten classroom center and a family childcare home face different risks. We start with how your program actually runs, then build coverage around it. Compare childcare insurance by business type.
In-Home Daycare Providers
Business coverage for family childcare providers who care for children in their own home.
Preschools
Coverage for private preschools and early learning programs, from classrooms to field trips.
Before & After School Programs
Coverage for school age programs, including off site locations, activities, and transportation.
Coverage
Major daycare insurance coverages
Most childcare businesses combine several policies. Coverage may include the options below, and availability varies by insurer and state. See how daycare insurance fits together.
-
General Liability
Protection for third party injury and property damage claims, such as a parent who slips at pickup.
-
Abuse and Molestation
Defense and liability coverage for allegations of abuse, which many general liability policies exclude.
-
Professional Liability
Coverage for claims that the care itself fell short, such as improper supervision or a missed allergy.
-
Commercial Property
Coverage for your building, classroom furniture, equipment, and supplies after a covered loss.
-
Workers Compensation
Medical bills and lost wages for employees hurt on the job, from lifting injuries to illness exposure.
-
Commercial Auto
Coverage for vans and vehicles used for pickups, drop offs, and field trips.
-
Umbrella
Additional liability limits that sit above your general liability, auto, and employer liability policies.
-
Cyber
Help responding to data breaches, ransomware, and payment fraud involving family and staff records.
-
Accident Medical
Pays medical expenses for an injured child regardless of fault, often before a claim turns into a lawsuit.
Also available: business income, business owners policies (BOP) for eligible programs, and employment practices liability (EPLI). See what insurance a daycare needs.
Why Daycare Insurance Pros
A general agency sells insurance. We understand daycares.
The biggest problems in childcare insurance usually hide in the details: an exclusion, a limit, or an activity nobody asked about. A team that focuses on childcare helps you find them before a claim does.
Specialized childcare focus
Daycare and childcare insurance is all we do, so you never have to explain how a childcare program runs.
Access to multiple insurance markets
As part of Nelson Insurance Agency, an independent agency, we can look at options from more than one insurer.
Help comparing coverage options
We lay options side by side and explain the differences in limits, exclusions, and price in plain language.
We understand daycare exposures
Abuse exclusions, enrolled children, field trips, staff driving, homeowners restrictions. We know where the gaps hide.
A simple quote process
Start online or call. Share the basics and a specialist takes it from there, without jargon or pressure.
Support from Nelson Insurance Agency
Renewals, certificates for your landlord, a new location. A full agency team stands behind you.
States we serve
Where We Insure Daycares
Serving daycare and childcare businesses in 41 states where Nelson Insurance Agency is licensed.
41 states served
We insure daycare and childcare businesses in every highlighted state through Nelson Insurance Agency, working with multiple insurance markets. Tap or click a highlighted state on the map.
Requirements vary by state and provider type. Confirm current requirements with the appropriate state licensing authority. How to find your requirements.
How it works
Getting a quote is simple
No pressure, no jargon. Just a clear look at your options.
- 1
Tell us about your program
Share the basics online or by phone: your business type, location, enrollment, staff, and current coverage.
- 2
We review your options
A childcare insurance specialist reviews your operation and works to match it with suitable coverage options.
- 3
Compare and decide
We walk you through coverages, limits, and price in plain language so you can choose with confidence.
Reviews
Backed by Nelson Insurance Agency
Daycare Insurance Pros is part of Nelson Insurance Agency. A selection of what the agency's clients say on Google, in their own words. These reviews describe Nelson Insurance Agency overall, not only daycare insurance.
138 client reviews
Read all reviews on Google (opens in a new tab)- ★★★★★
Nelson Insurance was a great help in setting up my business insurance!
Bill Johnson Google review of Nelson Insurance Agency - ★★★★★
Great insurance company! Brian and his staff are always helpful with my insurance needs. I own a business and anytime I need changes made or proof of insurance they get me what I need asap. Thanks!
Thomey Dertien Google review of Nelson Insurance Agency - ★★★★★
Called them and gave them my info and had quotes and a new policy within a few hours.
Joe Gapp Google review of Nelson Insurance Agency - ★★★★★
My wife and I always have a pleasant experience dealing with Hunter and his team at Nelson. It is refreshing to be with a company that returns calls, answers the phone, and acts with urgency. Can't recommend this agency enough.
J F Google review of Nelson Insurance Agency - ★★★★★
I was very satisfied with the professional service. The agent listened and found exactly what I needed.
Amands Baldwin Google review of Nelson Insurance Agency - ★★★★★
awesome to work with! finds the right kind of coverage based on your needs
Mike Sterud Google review of Nelson Insurance Agency
Selected reviews are shown exactly as written on Google. They describe Nelson Insurance Agency in general, not a specific type of business or policy, and individual experiences vary.
Resources
Helpful resources for daycare owners
Practical guides to the insurance questions childcare owners ask us most. Browse all resources.
-
How Much Does Daycare Insurance Cost?
What drives daycare insurance pricing, and how to keep premiums reasonable without leaving gaps.
-
What Insurance Does a Daycare Need?
A practical checklist of coverages by type of childcare operation.
-
Does Homeowners Insurance Cover a Daycare?
How homeowners policies typically treat home businesses, and what to ask your insurer.
FAQ
Daycare and childcare insurance questions
Have a question that is not here? Call us at 605-275-9700. We are happy to talk it through.
What is daycare insurance?
Daycare insurance is a group of business policies built around the risks of caring for children: injuries, allegations of improper care or abuse, damage to your building and equipment, employee injuries, and vehicles. Most programs combine several coverages. Our daycare insurance guide explains how they fit together.
What types of childcare businesses do you work with?
We focus on childcare businesses, including commercial daycare and childcare centers, in-home daycare providers, preschools, and before and after school programs.
How much does daycare insurance cost?
It depends on your enrollment, location, building, staff, activities, claims history, and the coverage and limits you choose. We explain each of these factors in our guide to daycare insurance cost. The most accurate way to know is to request a quote.
Does my homeowners policy cover my home daycare?
Often not, or only in a very limited way. Many homeowners policies exclude or restrict business activity, including childcare. Read does homeowners insurance cover a daycare and talk with your homeowners insurer about your situation.
How is Daycare Insurance Pros related to Nelson Insurance Agency?
Daycare Insurance Pros is part of Nelson Insurance Agency, an independent insurance agency based in Sioux Falls, South Dakota. Insurance is offered through Nelson Insurance Agency in the states where it is licensed. Existing clients can use the Nelson Insurance Agency Client Center.
Which states do you serve?
Serving daycare and childcare businesses in 41 states where Nelson Insurance Agency is licensed. See where we insure daycares, or call 605-275-9700 and we will confirm whether we can help in your state.
What do I need to get a quote?
Basic details about your program help: business type, address, licensed capacity and enrollment, ages served, number of staff, building details, any vehicles, current coverage, and recent claims. If you do not have everything handy, start anyway. We can fill in the gaps together.
Daycare Insurance Made Simple
Ready to review your daycare insurance?
Whether you are opening your first location, adding a classroom, or rethinking your renewal, we will help you understand your options.