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
Day care $104/month for general liability
WHY IT MATTERS
Why Day care need business insurance
Day care operations face risks involving children, employees, visitors, and business property. The right coverage can help address covered injuries, liability claims, and property damage, subject to policy terms.
SCENARIO 1
A child is injured
A child slips during playtime, and the family files a claim. General liability insurance may help with covered medical expenses, legal defense costs, and settlements.
SCENARIO 2
An employee is hurt
An employee strains their back while moving classroom equipment. Workers' compensation insurance may help with covered medical care and lost wages, depending on policy terms and state requirements.
SCENARIO 3
Property is damaged
A covered event damages furniture, learning materials, and equipment at the facility. Commercial property insurance may help pay to repair or replace covered business property.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Children in your care
Caring for more children can increase overall exposure and may lead to a higher quote.
Employees and payroll
A larger staff and higher payroll can increase the workers' compensation portion of a quote.
Services and activities
Transportation, off-site activities, and other added services may increase exposure and affect the quote.
Building and equipment
The size, construction, and value of the facility and its contents can affect commercial property terms.
Claims history
Previous claims and the steps taken to prevent similar incidents may influence carrier underwriting and rates.
Limits and deductibles
Higher limits or lower deductibles generally increase the quote, while lower limits or higher deductibles shift more risk to the business.
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
Rates, requirements, eligibility, and policy terms vary by state and by carrier for day care businesses nationwide.
State requirements
Insurance and workers' compensation requirements vary by state, so the coverage a day care needs may depend on where it operates.
Facility characteristics
Building construction, site features, and nearby hazards may affect commercial property underwriting and policy terms.
Weather exposure
Exposure to storms, flooding, wildfire, and other events may affect property coverage availability and terms, with carrier treatment varying by location.
344
Quotes analyzed
47
States represented
4
Coverage lines
BEST RATE
How to get the best rate
Document safety practices
Keep written procedures for supervision, check-in and pickup, incident reporting, cleaning, and emergency response.
Use accurate business details
Report current enrollment, payroll, staffing, services, and facility information so the quote reflects your operation.
Address past incidents
Review prior claims, correct recurring hazards, and document the changes made to reduce similar risks.
Choose coverage deliberately
Set limits around contract requirements and business exposure, then select deductibles the business could reasonably handle after a covered loss.
FAQ
Common questions
What types of business insurance should a day care consider?
Coverage choices can include general liability insurance, workers' compensation insurance, commercial property insurance, and a business owners policy. The appropriate mix depends on your employees, facility, services, contracts, and carrier requirements.
Is business insurance required for a day care?
Requirements vary by state and may also come from leases, financing agreements, or client contracts. Review the rules and agreements that apply to your operation before selecting coverage.
Does general liability insurance cover injuries to children?
General liability insurance may help with a covered claim if a child is injured because of the day care's operations. Exclusions, limits, deductibles, and the circumstances of the incident determine how a policy responds.
Does a day care need workers' compensation insurance?
A day care with employees may need workers' compensation insurance based on applicable state requirements. It may help with covered medical care and lost wages after a work-related employee injury or illness.
How can I start a day care insurance quote?
At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work. Have your enrollment, payroll, staffing, services, property, claims, and requested coverage details ready.