Daycare insurance that supports the care you give.

Running a daycare means you’re not just managing a business—you’re caring for what matters most. That responsibility comes with real risk, and daycare insurance helps protect you, your space, and the families who rely on you. We work with childcare providers across Minnesota, including Rochester and surrounding areas, to create thoughtful, affordable coverage.

What does daycare insurance cover?

General Liability Insurance

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Essential coverage that protects you if a child, parent, or visitor is injured on your property or as a result of your services.

  • Slip-and-fall accidents
  • Play area or toy-related injuries
  • Legal defense and settlement costs

Professional Liability Insurance

A man is holding a shield with a check mark on it.

Also known as errors & omissions insurance, this protects against claims related to the care and supervision of children.

  • Claims of negligence or lack of supervision
  • Wrongful discipline or emotional distress
  • Coverage for unintentional mistakes

Property Insurance

A black and white drawing of a house with a heart on the roof.

Covers the physical structure where care is provided, plus your toys, furniture, and supplies.

  • Fire, weather, or vandalism damage
  • Stolen or damaged equipment
  • Damage to furniture, games, and learning tools

Abuse and Molestation Coverage

A black and white icon of a baby in a person 's hands.

Specialized coverage that can help protect your business in the event of a serious allegation. Some licensing agencies may require it.

  • Legal fees and defense costs
  • Settlements or judgments
  • Protection for both in-home and center-based care

Common questions about daycare insurance.

  • Is daycare insurance required in Minnesota?

    Most licensed providers are required to carry general liability insurance, and additional coverage may be required depending on your license type.

  • What’s the difference between home and daycare insurance?

    Home insurance doesn’t cover business-related risks like injuries to children in your care or professional liability. A daycare policy fills those gaps.

  • Does this cover employees or assistants?

    Yes, we can help you set up coverage that includes full-time staff, part-time assistants, or volunteers depending on your needs.

  • What if I run a daycare from my home?

    We specialize in coverage for in-home daycares as well as commercial childcare centers—just let us know how your program is structured.

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