Specialty & E&S

Daycare & childcare

Licensed childcare centers and in-home daycare providers.

Why it needs cover

The exposure

Childcare's costliest exposure is abuse and molestation, which standard GL excludes and licensing usually requires; professional liability (negligent supervision) and property/WC round out the program.

What we place

Coverages this class usually needs

General liabilityRequired (licensing)

Child/parent injury on premisesSlip-and-fall, playground

Abuse & molestation (A&M)Often (licensing)

Allegations against staffExcluded from GL; catastrophic

Professional liabilityOften (licensing)

Negligent supervision/careCore childcare exposure

Commercial propertyOften (lease)

Building and contentsFacility/equipment

Workers' compensationRequired (with employees)

Staff injuriesLifting/childcare labor

What it costs

National benchmark premiums

Rated on: Enrollment and headcount

General liability

$56-$78/mo GL for daycare operators; center average $116/mo across coverages

Abuse & molestation

$200-$800/yr for in-home; $1,500-$4,000/yr for centers

Total annual (typical)

$1,500-$3,500/yr GL for many centers; comprehensive programs $400-$1,200/mo for larger centers

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: NEXT Insurance (via Soma); MoneyGeek; TrustedCare; Hotaling Insurance; LaunchAdvisor.

When it goes E&S

Where this risk gets hard to place

Abuse/molestation exposure and transportation programs push much of childcare to specialty carriers (Markel, Philadelphia); standard GL excludes A&M.

Contact

Talk to us about Daycare & childcare.

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