How Much Is Day Care Business Insurance Today?
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 days ago
- 2 min read
If you’re opening or operating a home‑based day care or commercial child care center, it’s natural to ask: How much is day care business insurance today? Day care insurance costs vary widely because insurers look at your licensing, number of children, safety measures, staff background checks, facility type, and past claims. Understanding these factors helps you budget accurately and secure the right protection.
Below is a breakdown of what day care owners can expect to pay, and what influences those costs.
1. Average Day Care Insurance Cost Today
While pricing varies by state and provider, most day care owners can expect these ranges:
General Liability: $500–$2,500 per year
Professional Liability: $300–$1,200 per year
Abuse & Molestation Coverage: $300–$2,000 per year
Commercial Property Insurance: $500–$3,000 per year
Workers’ Compensation: Calculated based on payroll and job roles
Commercial Auto (if transporting children): $1,200–$3,000 per year
Home‑based day cares are typically on the lower end, while larger commercial centers may pay significantly more depending on the number of children and services offered.
For general guidance on how business insurance is rated, day care owners can explore educational content from the Insurance Information Institute, which explains liability pricing and risk evaluation for small businesses.
2. Factors That Impact Your Day Care Insurance Cost
Several major factors influence your premium:
Number of Children
More children = higher exposure = higher premium.
Age Groups
Infant care usually costs more because the risk is higher.
Facility Type
Home‑based vs. commercial center affects pricing due to:
Building construction
Safety systems
Indoor/outdoor play areas
Safety Measures
Carriers reward day cares that maintain:
Fenced playgrounds
Secured entry systems
Fire and smoke protection
Staff CPR certification
Claims History
A clean claims record results in lower rates and better policy options.
3. Why Day Care Owners Should Compare Multiple Carriers
Not all insurance carriers offer coverage for child care centers, and even fewer specialise in them. Working with a child care‑focused agency helps you:
Compare pricing across multiple insurers
Get more accurate coverage
Avoid missing day care‑specific endorsements
Secure better limits and deductibles
That’s where Wexford Insurance stands out.
Get Affordable, Specialised Day Care Insurance Today
Insurance costs vary based on the number of children you supervise, your safety practices, claims history, and whether you operate from home or a commercial building. Wexford Insurance partners with top‑rated carriers that specialise in day care insurance, helping owners secure the right limits, deductibles, and policy structure at an affordable price.
👉 Request your day care business insurance quote from Wexford Insurance today and make sure your children, staff, and business are fully protected.