Home daycare insurance
Start with your state, then talk with your homeowner or renter insurer. The child capacity allowed by your license and the number an insurance policy will cover may not be the same.
Provider and directory links checked · August 14, 2026
The right order
Requirements and policy terms differ by state, provider type, home, company, and activity.
Ask the agency that regulates your provider type whether liability insurance is required, whether a minimum limit or specific wording applies, and whether proof must be included with the application or shown later.
Choose your state guide →Tell your homeowner or renter insurance company that you plan to operate child care in the home. Ask whether business or child care activity is excluded, whether an endorsement is available, and whether opening a program could affect the home policy.
Give the insurer the planned number and ages of daycare children, your own children in the home, hours, employees, pets, outdoor equipment, transportation, field trips, pool or water exposure, and any overnight care. Ask for the covered child-capacity answer in writing.
Compare coverage, exclusions, deductibles, per-occurrence and annual limits—not only the premium. Confirm the named insured, address, business name, effective date, certificate wording, and renewal process before relying on a quote.
Call or quote checklist
Write down the representative’s name, date, answers, quoted policy form, and follow-up documents.
Does my current homeowner or renter policy exclude, limit, or allow home daycare activity?
Can a child care endorsement cover my program, or do I need a separate business policy?
How many daycare children can be enrolled or present and still be covered?
Do my own children count toward the insurance company’s child limit? Are infant limits different?
Are assistants, substitutes, volunteers, employees, and household members covered?
Are field trips, vehicle transportation, pools, trampolines, pets, and overnight care excluded?
Does the policy include general liability, professional liability, accident medical payments, and abuse or molestation coverage?
Are daycare furniture, outdoor equipment, records, and supplies covered as business property?
Is lost business income covered if a covered home loss temporarily closes the program?
What are the per-occurrence limit, annual aggregate limit, deductible, and defense-cost rules?
Will the insurer provide the proof of insurance or certificate my licensing office requests?
Could this child care policy affect my homeowner, renter, umbrella, auto, or other coverage?
Look beyond “liability”
Discuss general and professional liability, accident medical payments, abuse or molestation coverage, defense costs, and exclusions.
Ask what happens to the dwelling policy and whether daycare furniture, outdoor equipment, supplies, records, and lost income are covered.
Confirm eligible provider types, the maximum number and ages of children, whether your own children count, and how assistants or employees change coverage.
Ask about field trips, vehicles, hired or non-owned auto, pools, pets, trampolines, overnight care, and other activities before offering them.
Free comparison worksheet
Compare up to four options in your browser. The worksheet stays on this device unless you clear browser storage.
| Compare | Quote 1 | Quote 2 | Quote 3 |
|---|---|---|---|
| Company / agent | |||
| Policy or endorsement type | |||
| Annual premium | |||
| Covered daycare-child capacity | |||
| Infant limit and whether own children count | |||
| Per-occurrence liability limit | |||
| Annual aggregate limit | |||
| Deductible | |||
| Effect on homeowner / renter policy | |||
| Assistants, substitutes and employees | |||
| Transportation, field trips, pets, pool, overnight care | |||
| Important exclusions | |||
| Written proof received |
Do not enter children’s names, medical information, policy passwords, payment information, or other private family records. Compare the actual policy forms and exclusions with a licensed insurance professional.
Places to compare
These are examples, not endorsements or a complete market list. Product availability, underwriting, pricing, covered capacity, and exclusions can vary by state and applicant.
Its home-business coverage page specifically lists small-scale home daycares as a business type that may be eligible for a homeowners add-on. Ask an agent about state availability, eligibility, child capacity, and exclusions.
Review home-business coverage ↗Business insurerOffers a daycare insurance quote path and publishes important eligibility and activity exclusions. Confirm that your home daycare, hours, child count, and activities qualify in your state.
Review daycare insurance ↗Specialty programOffers access to group liability and separate accident insurance for eligible licensed family child care providers in many states through a risk purchasing group. Verify current state participation and terms.
Review the provider program ↗Compare local agentsUse the independent-agent locator to find a local agency that can compare companies and discuss both the home policy and child care business coverage.
Find an independent agent ↗Verify before buyingUse the NAIC directory to find your state insurance department, confirm that a company or agent is licensed, ask consumer questions, or find complaint information.
Find your state regulator ↗Before choosing
Ask a licensed insurance professional to explain the declarations, endorsements, limits, and exclusions. Do not enter children’s names, medical information, or family records into a general quote form. Keep proof of coverage and renewal dates with your licensing and business records.