Trade insurance
Insurance for daycares.
Childcare is a high-severity class; state licensing typically mandates general liability and abuse/molestation coverage, with specific minimum limits.
Updated 2026-05-16 · Beaconcover editorial§ 01
Why this matters
What can go wrong on the job.
- Child injury. High-severity, high-emotion bodily-injury claims
- Abuse and molestation allegations. A specialized, often-required coverage line
- Premises hazards. Playground and facility injuries
§ 02
Required vs recommended
What contracts require, and what's worth adding.
§ 03
Typical premium ranges
What it tends to cost.
- General liability: $1,097 avg (human/social services category) / year[Q]Insureon
Figures are reported averages, not quotes. Actual premiums vary by state, revenue, payroll, and underwriting.
§ 04
Common gaps
Where this coverage trips people up.
Abuse & molestation coverage is frequently a separate, mandatory endorsement
Transporting children triggers commercial auto requirements
State licensing dictates minimum limits — verify per state
§ 05
Before you bind
Questions to ask any carrier for daycares.
- Does the quote include the lines listed above as typically required?
- What does a certificate of insurance cost and how fast can the carrier issue one?
- How is workers' compensation rated for this trade — by payroll or by class code?
- Is there a separate deductible for tools and equipment in transit between sites?
- If a client requires an additional-insured endorsement, is there a fee?