Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 17, 2026.
GENERAL LIABILITY
Childcare $94/month for general liability
WHY IT MATTERS
Why Childcare need business insurance
Caring for children creates responsibilities involving families, employees, property, and daily operations. Business insurance can address covered injuries, accidents, and property damage, subject to each policy's terms.
SCENARIO 1
A child is injured
A child falls during supervised play, and the family alleges the business was negligent. General liability insurance may help with covered legal defense and settlement costs.
SCENARIO 2
An employee gets hurt
An employee strains their back while lifting a child. Workers' compensation insurance may help with covered medical expenses and part of the employee's lost wages.
SCENARIO 3
The facility is damaged
A covered water event damages classroom furniture, supplies, and equipment. Commercial property insurance may help repair or replace covered business property.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Enrollment
Caring for more children can increase overall exposure and may result in a higher quote.
Staff and payroll
More employees and higher payroll can increase workers' compensation exposure and affect the quote.
Ages and services
The ages of children and services such as transportation, field trips, or overnight care can affect underwriting and price.
Premises details
The building type, square footage, play areas, and safety features can influence liability and property costs.
Claims history
Frequent or serious prior claims may increase the quote, while clear documentation of corrective steps can provide useful context.
Coverage selections
Broader coverage, higher limits, lower deductibles, and added endorsements generally increase the cost of a policy.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For childcare businesses nationwide, rates and requirements vary by state and by insurer, while each operation's details remain central to the quote.
State and insurer variation
Requirements, eligibility rules, and rates vary by state and by insurer, so available terms depend partly on where the business operates.
Operating setting
A home-based program, leased center, or owned facility presents different property and liability considerations.
Insurer guidelines
Each insurer applies its own underwriting guidelines to childcare operations, which can affect eligibility and policy terms.
398
Quotes analyzed
48
States represented
4
Coverage lines
BEST RATE
How to get the best rate
Prepare accurate records
Gather current enrollment by age, payroll, revenue, property values, and a clear description of every service offered.
Document safety practices
Organize staff training records, pickup procedures, incident protocols, emergency plans, and supervision guidelines.
Address visible hazards
Inspect play equipment, gates, walkways, alarms, and maintenance items, then document completed repairs.
Review policy details
Check limits, deductibles, endorsements, and exclusions against your contracts, lease, property, staffing, and daily activities.
FAQ
Common questions
What types of business insurance should a childcare business consider?
Coverage depends on the operation, but common options include general liability insurance, workers' compensation insurance, commercial property insurance, and a business owners policy. Transportation, professional services, misconduct allegations, and other activities may require additional coverage.
Does general liability insurance cover injuries to children?
It may cover a child's bodily injury when the claim falls within the policy terms. Exclusions, deductibles, limits, and the circumstances of the incident determine whether coverage applies.
Does a childcare business need workers' compensation insurance?
It depends on staffing and applicable requirements. Requirements vary by state, and an insurer can explain the information needed for a workers' compensation quote.
Is homeowners insurance enough for a home-based childcare business?
Do not assume a homeowners policy covers childcare operations. Review its business-use exclusions and determine whether separate business coverage or endorsements are needed.
What information affects a childcare insurance quote?
Enrollment, children's ages, services, payroll, property details, claims history, coverage selections, and safety practices can affect a quote. Rates and requirements also vary by state and by insurer.