From licensed childcare centers to home-based daycares, we place coverage tailored to the real exposures of caring for other people's children. The right program, the right carrier, the right endorsements.
Whether you run a licensed childcare center with classrooms and staff or watch a handful of kids from your own home, we have a program that fits.
Licensed centers with employees, dedicated classrooms, outdoor play areas, and larger student counts. We place programs with carriers who specialize in center-based childcare risk.
In-home providers caring for a smaller group of children. Homeowners policies typically exclude daycare activity, so we write dedicated in-home daycare coverage that fills those gaps.
These form the foundation of any proper childcare program, whether you're a commercial center or an in-home provider.
Protects you if a child is injured on the premises, at a play area, during a field trip, or through the operations of your business. The foundational liability layer for any childcare operation.
Covers your building (or the portion of your home used for the daycare), furniture, equipment, toys, and supplies against fire, theft, and weather. Tailored for childcare contents.
Required in most states the moment you hire. Covers medical costs and wage replacement for employees injured on the job. We write it with class codes that reflect actual childcare work.
Abuse & molestation coverage. Many of our childcare carriers offer abuse & molestation as an optional endorsement or separate form. Limits, sublimits, and defense-cost treatment vary widely by carrier, so we'll walk you through the options and help you pick what makes sense for your operation. Ask us for details when we quote.
Commercial center, in-home, or somewhere in between — we'll line up the right carrier in minutes.
Start My Quote →Disclaimer: The coverages, endorsements, and features described on this page are illustrative examples and may vary by carrier, state, and individual policy. Conexion Insurance Agency does not guarantee that any specific coverage, limit, or exclusion applies to your policy. Actual terms are governed solely by the policy issued to you — please review your own policy documents carefully and contact us directly for specifics about your account.