Childcare Insurance

We help childcare providers get the right insurance to protect their business and the kids they care for.

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What is Childcare Insurance?

Childcare Insurance protects your business in the event something goes wrong, like a child getting hurt or property being damaged. It’s a special type of business insurance designed for those looking after children. It typically includes things like public liability to cover injuries or damage, and may also cover your equipment or building.

Who Needs It?

Anyone running a childcare business needs this insurance, including:

In-home Daycare Providers

They run childcare services from their own homes, looking after children, typically from infants to school-age, while parents are at work or are occupied.

Commercial Daycare Centres

They provide young children with supervised care and early education, structured activities, meals, and a safe environment.

Preschools

They prepare children, typically ages between 3 to 5, for kindergarten.

After-school Program Operators

They usually offer homework help and recreational activities to children ages 5 to 12 after school hours until parents pick them up.

Nursery School Staff

They plan activities for children, teach them basic skills, promote social development, and ensure a safe, nurturing environment.

Even if you only care for a few kids, insurance is crucial to protect you and the children.

What Does It Cover?

Childcare Insurance includes:

Public Liability

Covers injuries to kids or other people, or damage to someone else’s property caused by your work.

Property Damage

Pays for repairs or replacement of your damaged equipment, toys, or building.

Professional Liability

Protects you if you’re accused of making a mistake, like giving a child the wrong food.

Workers’ Compensation

Covers medical bills or lost wages if an employee gets hurt on the job.

How It Helps

Here are some scenarios on how Childcare Insurance helps:

If a child falls off a slide and breaks their arm, Public Liability can cover medical costs and any legal fees if the parents sue you.

If a fire damages your daycare’s playroom, it can cover property damage and pay for repairs and new toys.

If someone takes you to court over an accident or damage, it covers your legal fees.

Frequently asked questions

Do I need insurance for an in-home daycare?
Yes, even small home daycares need insurance. Accidents like a child slipping and getting hurt can lead to big costs. Your homeowner’s policy likely won’t cover business-related incidents, so getting Childcare Insurance can protect your personal savings.
How much does Childcare Insurance cost?
Costs can vary depending on your location, number of kids, and coverage types. For in-home daycares, it can range from $450 to $1,480 a year, while commercial centres could pay $1,100 to $2,200.
Can I get insurance if I’m unlicensed?
It depends on your state’s rules. Some insurers cover unlicensed providers, but many require a licence for full coverage. Check local regulations to ensure you meet licensing requirements and insurance needs.
What if I only care for a few kids?
Even with one or two kids, you’re at risk of claims for injuries or damage. Insurance covers these risks, so you don’t pay out of pocket. You can explore affordable small policies tailored for low-risk setups.
Does insurance cover abuse or molestation claims?
Some policies include abuse and molestation liability, but it’s not always the standard. You may need to add this coverage, especially for larger centres, to protect your business against these serious claims.
Can I get coverage for field trips?
Yes, many policies can include coverage for off-site activities like field trips. Check your policy to ensure these activities are covered.
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For a tailored quote, contact us and we’ll find insurance that fits your childcare business perfectly.

Upgrade Your Business Defence.

Catered to your industry and risk profile. Our team is ready to help you fortify your business against potential risks.

What’s your annual revenue?

Please let us know your annual revenue.

Continue
What’s your business name?

Please fill in the details below.

Continue
Describe your business activities

Please fill in the details below.

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What are your contact details?

Please fill in the details below.

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Thank you for your enquiry
We'll contact you shortly to discuss.
Oops! Something went wrong while submitting the form