Daycare Insurance Rates
How Much Is Business Insurance for a Daycare Center?

Nonprofit day care centers have their work — and their risks — cut out for them. Good thing insureon agents make it easy for these centers to find business insurance that fits their needs.

Your center’s location and size affect the cost of its business insurance premiums, but the samples below can give you an idea of what typical day care centers pay for insurance.

Note: Sample quotes represent median costs for coverage. Actual premiums may vary.

HOW MUCH IS
General Liability Insurance?

What Does General Liability Insurance Cost?

With children, accidents are always a blink away, and when you run a day care center, you can be liable for any injuries that happen. General Liability Insurance can provide coverage for third-party lawsuits over bodily injuries, property damage, and reputational injuries. If a child is hurt while playing on faulty playground equipment, for example, this policy may offer coverage for your ensuing legal expenses.

General Liability Insurance typically costs $500 for nonprofit child day care centers.

Average Premiums, Deductibles, and Limits on General Liability Insurance Policies for Child Day Care Centers

Average Premiums, Deductibles, and Limits on General Liability Insurance Policies for Child Day Care Centers
Policy Element USD

Median premium:

$500

Per-claim limit:

$1 million

Aggregate limit:

$2 million

Median deductible:

$0

HOW MUCH IS
a BOP?

What Does a Business Owner’s Policy Cost?

Want to save money on your insurance? Ask your agent if your day care center qualifies for a Business Owner’s Policy. A BOP combines General Liability Insurance and Property Insurance in a discounted bundle.

BOPs typically cost $750 for nonprofit child day care centers.

Average Premiums, Deductibles, and Limits on Business Owner’s Policies for Child Day Care Centers

Average Premiums, Deductibles, and Limits on Business Owner’s Policies for Child Day Care Centers
Policy Element USD

Median premium:

$750

GL per-claim limit:

$1 million

GL aggregate limit:

$2 million

Property limit

Varies

Median deductible:

$500

Apply for Nonprofit Child Day Care Center Insurance Quotes Online

To find out how much your insurance may cost, fill out an online insurance application. Usually, we can send you competitive quotes within 24 hours or less.

Grab-n-Go Information

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