Daycare commercial insurance overview (2026)
Everything we know about daycare commercial insurance — the typical coverage stack, cost ranges, state-specific filed-rate data, and links to the full pricing and requirements pages. Use this as the navigation hub for daycare coverage research.
Typical insurance coverages for daycare operations
Most daycare businesses carry a stack of 2 commercial-insurance lines — based on common industry practice and the lines that bureau filings most often cite for this vertical. Workers' comp is typically required by state law where employees are involved; the rest are commonly carried but not always legally mandated. Confirm with a licensed agent in your state for what's legally required vs commonly carried.
- Workers' Compensation →Medical bills + lost wages for employees injured on the job. Typically required by state law where employees are involved (TX is voluntary).
- General Liability →Third-party bodily injury, property damage, and personal/advertising injury claims arising from your operations.
Deep dive on daycare
- Daycare cost calculator — industry-typical ranges, drivers, ways to reduce premium
- Daycare insurance requirements — what insurance you need (legal + commonly-carried)
- Rate filings by state — see your state's recent filings
Get a real daycare quote
Request a free quote in under 90 seconds. Your price depends on payroll, experience modifier, schedule credits, and carrier-specific LCM — only a quote gives the accurate number.
Get a free quote →| Business activity |
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| Babysitting services, child care |
| Babysitting services in provider's own home, child care |
| Before-school and after-school educational programs, separate from schools |
| Child care babysitting services |
| Child care, before or after school, separate from schools |
| Child care services |
| Child care services in provider's own home |
| Child day care centers |
| Day care centers, child or infant |
| Day care services, child or infant |
| Family child care homes (excluding private households employing nannies) |
| Group day care centers, child or infant |
| Head Start and Early Head Start programs, separate from schools |
| Infant care services |
| Infant day care centers |
| Nursery schools |
| Pre-kindergarten centers (except part of elementary school system) |
| Preschool centers |