Insurance by Industry
Insurance Built for Child Care Centers and Daycares
Running a child care center means carrying responsibility for children and a business at the same time, and your insurance should reflect both.
Child care center insurance is a package of business coverages designed specifically for the risks daycares, preschools, and child care facilities face when caring for young children. A standard business owner's policy gets you started, but child care operations need additional layers: coverage for accidental student injuries, protection against abuse and molestation allegations, professional liability for staff decisions, and more. At Bittick Insurance Services, we work with multiple carriers to assemble the right combination for your facility, whether you operate out of a licensed home in Star, Idaho, a commercial building in Meridian, or a campus in the San Antonio metro. We are licensed in CA, CO, ID, NV, OR, TX, VA, and WA.
Your child care center needs protection that goes beyond the basics.
From slip-and-fall liability to cyber threats to abuse allegations, we help you cover every angle so you can focus on the children in your care.
What this coverage includes
General liability and premises coverage
General liability is the foundation of any child care center's insurance program. It pays to defend your center and cover damages when a third party alleges that your operations caused bodily injury or property damage. Think of a parent visiting during pickup who slips on a wet floor, or a staff member accidentally damaging a child's personal property. This coverage steps in so a single incident does not derail your finances. It also covers legal defense costs even when a claim turns out to be groundless.
Business personal property
Child care facilities invest heavily in physical assets: classroom furniture, learning materials, outdoor play equipment, cribs, tables, kitchen equipment, and supplies. Business personal property coverage pays to repair or replace those items when they are damaged or destroyed by a covered cause of loss such as fire, burst pipes, or certain weather events. For a center operating in the Treasure Valley, where freeze-thaw cycles can stress older plumbing and summer wildfire smoke occasionally forces extended closures, protecting your physical inventory matters.
Abuse and molestation liability
Any organization working with children faces the risk of an abuse or molestation allegation, whether the claim is founded or not. Defending against an unfounded accusation can cost tens of thousands of dollars before any verdict is reached. Abuse and molestation liability coverage pays legal defense costs and, when applicable, damages arising from covered claims against your staff or your center. This coverage is specific to child-serving industries and is not typically included in a standard general liability policy, so it must be added intentionally.
Professional liability for child care staff
Professional liability, sometimes called errors and omissions coverage, protects your center when a claim alleges that a staff member's judgment, supervision decision, or professional action (or failure to act) harmed a child. A parent might allege that a teacher failed to supervise a child properly, leading to an injury. Your center can be drawn into that lawsuit even if the employee acted in good faith. This coverage funds the legal defense and addresses damages the center is found to owe.
Student accident and transportation coverage
Student accident policies cover children's medical expenses when they are injured at your facility or during a sponsored activity or field trip. Coverage can be structured as primary (pays regardless of the child's own health insurance) or full excess (pays after the child's health insurance). Centers that transport children also need commercial auto or hired-and-non-owned auto coverage. If your staff drive personal vehicles to pick up children or run center errands, hired-and-non-owned auto covers your center's liability exposure from those trips even when no center-owned vehicle is involved.
Pairs well with
Workers' Compensation
Idaho requires most employers to carry workers' compensation. When a staff member is injured on the job, this coverage pays their medical bills and a portion of lost wages so the cost does not fall on your center.
Learn more ›Commercial Auto Insurance
If your center owns a van or bus used to transport children, commercial auto provides liability and physical damage protection that a personal auto policy will not cover.
Learn more ›Cyber Liability Insurance
Child care centers store sensitive data including payment information, children's health records, and enrollment details. Cyber liability coverage pays for breach response, notification costs, and claims arising from unauthorized access to that data.
Learn more ›Employment Practices Liability (EPLI)
Claims from current or former employees alleging discrimination, harassment, or wrongful termination are not covered by general liability. EPLI fills that gap and funds your legal defense against employment-related suits.
Learn more ›Commercial Umbrella Insurance
A serious liability claim, especially one involving a child's long-term injury, can exceed the limits of your underlying policies. A commercial umbrella extends those limits, typically by $2 million to $10 million, across your general liability, auto, and other covered lines.
Learn more ›Employee Benefits Liability
If your center offers health insurance or retirement benefits to staff, an administrative error in managing those plans can generate a claim. Employee benefits liability covers losses that result from mistakes in plan administration.