How much does daycare insurance cost in Georgia? (2026)
Daycare insurance pricing in Georgia is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in Georgia. Below: the most-recent Georgia filings affecting daycare operations, cited to their SERFF tracking numbers — primary-source, government-held pricing records. Read the full national context on the Daycare cost guide.
Recent rate-filing activity — 1 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting daycare operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | GA | Overall -8.8% voluntary loss cost / -9.3% assigned risk rate | Mar 1, 2026 | NCCI-134736978 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
National context — Daycare insurance overview
The defining daycare coverage isn't general liability — it's abuse & molestation (SAM). A standard general liability policy carries the ISO abuse-or-molestation exclusion, so coverage for a child sexual-or-physical-abuse allegation against staff or a volunteer must be bought back via a SAM endorsement — usually sublimited, and no daycare should operate without it. After that come the everyday exposures: general liability for a child injured on premises, professional liability for alleged negligent or improper supervision, plus property, workers' comp, and auto for field trips.
As an industry-typical estimate, a small daycare runs roughly $1,500–$6,000+/year across general liability with a SAM endorsement, professional liability, commercial property, and payroll-rated workers' compensation — more for a larger center, infant care, or transportation. No insurance bureau publishes daycare premiums, so every dollar here is an estimate; each coverage fact is sourced to a named authority (III, IRMI, CDC). Use the calculator below, then get a real quote in 5 minutes.
National benchmark figures
Published cost ranges for Daycare insurance — useful as a national baseline against which the Georgia filings above signal local direction.
Industry-typical market ranges (national)
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Coverage lines a daycare typically carries (industry-typical estimates):
- Abuse & molestation (SAM): the defining daycare exposure — a standard GL excludes abuse/molestation, so it's added back by endorsement, usually sublimited. IRMI abuse/molestation exclusion, III on abuse claims.
- General liability: the signature premises claim — a child slips, falls, or is injured on-site. III commercial general liability.
- Professional liability: alleged improper or negligent supervision or failure to follow a care plan — exposures GL may not address. III small-business basics.
- Property, workers' comp & field-trip auto: the building, playground, and contents; staff lifting-injuries; and vans / hired & non-owned auto for transport. III business vehicle.
State licensing and staff-to-child ratio rules vary widely and are both a rating and an eligibility factor.
For Georgia-specific direction, see the filed-rate table above.
Industry context — what published research says about Daycare coverage
- Abuse & molestation is the defining daycare exposure. Standard general liability excludes it via the ISO abuse-or-molestation exclusion, so a daycare must add a SAM endorsement — and claims can rival asbestos in severity, reaching back to old policies. III on abuse claims.
- Premises injury is the everyday claim. A child slipping, falling, or being hurt on-site is the signature general-liability exposure — CDC data shows how frequent childhood injury is. CDC VitalSigns.
- Supervision is a professional-liability exposure. Alleged improper or negligent supervision, or failure to follow a care plan, is a professional-liability claim distinct from a premises injury. III small-business basics.
- Field trips add auto exposure. Owned vans need commercial auto and staff using personal cars for transport need hired & non-owned auto — a gap GL and personal policies leave open. III business vehicle.
How to lower your daycare insurance cost
General levers that apply nationally — Georgia operators may also have state-specific levers (e.g. non-subscriber WC, multi-jurisdiction permit consolidation).
Get your actual Georgia quote in 5 minutes
The data above is regulator-filed direction. Your actual Georgia quote depends on class code, payroll, experience modifier, and the LCM each carrier files.
Get a free Georgia quote → 📞 Call 1-833-505-2594More Georgia rate-filing detail
- All Georgia commercial rate filings (every line, every recent filing) — the broader rate-data view for Georgia
- Rate filings by state — directory of all 47+ states with active filings
- National Rate Change Tracker — every filing across every state, sortable
Get a real Georgia quote for daycare
The data above shows the regulator-filed direction for Georgia. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.
Get a free Georgia quote →Related guides
Sources cited (national context above)
- Abuse or Molestation (Sexual Abuse) Exclusion — International Risk Management Institute (IRMI), 2024
- How Underwriters Can Prepare for Child Sexual-Abuse Claims — Insurance Information Institute (III), 2024
- Commercial General Liability Insurance — Insurance Information Institute (III), 2024
- What Does a Businessowners Policy (BOP) Cover? — Insurance Information Institute (III), 2024
- Workers' Compensation Insurance — Insurance Information Institute (III), 2024
- Business Vehicle Insurance (field-trip auto / HNOA) — Insurance Information Institute (III), 2024
- Employment Practices Liability Insurance — Insurance Information Institute (III), 2024
- Safety in Early Care and Education — Centers for Disease Control and Prevention (CDC), 2024
- Outdoor Play and Safety for Children in ECE — Centers for Disease Control and Prevention (CDC), 2024
- Child Care Price Landscape 2024 — Child Care Aware of America, 2024