Unique Risks We Address

Every daycare centers faces specific risks. We make sure you're covered.

Child injuries during play

Allergic reactions

Medication administration errors

Sleep-related incidents

Unauthorized pickup

Staff misconduct

Playground equipment injuries

Food safety claims

Coverage Options

Recommended Coverage

Tailored insurance products for daycare centers operations.

🛡️

General Liability

Protects against bodily injury and property damage claims from your operations, premises, and programs.

Premises liability
Operations coverage
Personal & advertising injury
Medical payments

🔒

Abuse & Molestation

Critical coverage for organizations serving vulnerable populations — covers allegations of abuse or misconduct.

Abuse allegations
Investigation costs
Defense expenses
Background check gaps

📋

Professional Liability (E&O)

Coverage for claims of negligence, errors, or omissions in the professional services your organization provides.

Service delivery errors
Advice & counsel claims
Program failures
Referral liability

🏢

Property & Contents

Covers your building, furnishings, equipment, and inventory against fire, theft, vandalism, and natural disasters.

Building coverage
Contents & equipment
Business interruption
Valuable papers

⚙️

Workers' Compensation

Required coverage for employees injured on the job — covering medical expenses, lost wages, and rehabilitation.

Medical expenses
Lost wages
Rehabilitation
Employer liability

👔

Directors & Officers (D&O)

Shields board members, officers, and volunteers from personal liability for organizational decisions.

Wrongful acts defense
Employment claims
Breach of duty
Regulatory actions

Serving All of Arizona

📍 Phoenix 📍 Tucson 📍 Mesa 📍 Chandler 📍 Scottsdale 📍 Glendale 📍 Gilbert 📍 Tempe 📍 Peoria 📍 Surprise 📍 Yuma 📍 Flagstaff

Frequently Asked

Is abuse & molestation insurance mandatory for daycare?

While not legally mandated in all cases, it is effectively required — most licensing bodies, landlords, and parent expectations necessitate it. No childcare facility should operate without it.

What if a child is injured at our daycare?

General Liability covers bodily injury claims. Professional Liability covers allegations of negligent supervision. Having both creates a comprehensive liability shield.

Are field trips covered?

Generally yes, as long as field trips fall within the scope of your normal operations. Higher-risk activities or locations may require notification to your insurer.

Do we need coverage during nap time?

Yes. Your coverage applies 24/7 during operational hours. Sleep-related incidents are covered under GL and Professional Liability. Follow safe sleep guidelines to mitigate risk.

Daycare Center Insurance

Get Your Free Quote