Daycare Insurance Pennsylvania

Daycare Insurance in Pennsylvania & Beyond

With the help of our knowledgable agents, you can gain access to affordable and comprehensive Daycare Insurance in Pennsylvania & beyond.

Request a quote for Daycare Insurance


Ondik Insurance Agency | Insurance in Pennsylvania & Beyond

What is daycare insurance?

Daycare insurance is a specialized type of business insurance designed to protect daycare providers and their businesses from risks and liabilities associated with running a childcare service. It helps safeguard the daycare owner against potential financial losses due to accidents, injuries, or other unexpected events that may occur while caring for children. This insurance is tailored to the specific needs of daycare operations, offering coverage for various risks such as property 

Daycare Insurance Pennsylvania

What types of coverage are included with daycare insurance in Pennslyvania?

Daycare insurance typically includes several key coverage types, each designed to address specific risks that daycare providers face. Some of the most common types of coverage included are:

  1. General Liability Insurance: This is the core coverage for any daycare business, protecting you in case a child, parent, or visitor is injured while on your premises. It also covers damage to someone else’s property.
  2. Professional Liability Insurance: This coverage protects against claims of negligence, mistakes, or failure to perform duties that result in harm to a child. Professional liability insurance is particularly important for daycare centers that provide additional educational or developmental services beyond basic childcare.
  3. Property Insurance: Property insurance protects the physical assets of your daycare, such as the building, equipment, and supplies. If your daycare experiences damage from fire, theft, vandalism, or natural disasters, property insurance helps cover the repair or replacement costs.
  4. Workers’ Compensation Insurance: It covers medical costs and lost wages for workers who are injured on the job. Since daycare centers often involve physically demanding tasks, such as lifting children and moving furniture, workers’ compensation is an important safeguard for your team.
  5. Abuse and Molestation Insurance: This type of coverage helps protect your daycare business from claims related to abuse or molestation, whether the accusation is made against an employee or volunteer.

Looking for coverage now?

Get a quote for Daycare Insurance

Our team is here to give you a quote for the insurance coverages you need to protect the things most important to you. Get your quote now!


Can I get daycare insurance if I operate my daycare from home?

Yes, you may get daycare insurance if you operate your daycare from home. Home-based daycare providers in Pennsylvania may purchase specialized insurance tailored to the unique needs of running a daycare in a residential setting. Standard homeowners insurance typically doesn’t cover business-related activities, so it’s essential to have childcare insurance to protect your business. Home daycare insurance may cover general liability, property damage, and accidents that happen during childcare services. It’s important to inform your insurer about your home-based business to ensure the proper coverage is in place.

  • Yes, daycare insurance generally covers accidents that happen during field trips or outings. Childcare insurance policies are designed to extend coverage beyond the daycare’s premises, including while children are under your care during trips. Whether it’s a visit to a park, museum, or any other off-site location, your general liability insurance may protect you in the event of an injury or accident. It’s important to ensure that your daycare insurance policy specifically includes off-site activities, as some insurers may require additional coverage or endorsements for these types of outings.

  • In most cases, daycare insurance doesn’t cover damage to toys or educational equipment, as these items are typically considered part of the normal operation and upkeep of your daycare. However, childcare insurance policies often include property coverage, which protects your building and business assets, including furniture, fixtures, and larger equipment. To protect smaller items like toys, games, and educational resources, you may need to look into additional coverage or an endorsement to include these types of property. Always check with your insurance provider to ensure that your equipment and assets are properly protected under your policy.

  • The cost of daycare insurance depends on several factors, including:

    1. Business Size: Larger daycare centers with more employees and higher risks generally pay higher premiums. A home daycare provider with just a few children will likely pay less for coverage than a large daycare center with many children.
    2. Coverage Limits: The more coverage you need, the higher your premium will be. For example, a daycare center that includes professional liability, abuse and molestation insurance, and business interruption coverage may pay more than one that only has general liability insurance.
    3. Claims History: If your daycare has a history of claims or incidents, your premiums may be higher. On the other hand, businesses with a clean claims history may be eligible for discounts.
    4. Location: The location of your daycare may influence your insurance premiums. Daycare centers located in areas with higher crime rates or prone to natural disasters may face higher rates for property coverage.

How can businesses obtain daycare insurance in Pennsylvania?

Reach out to the independent agents at Ondik Insurance Agency for a fast quote on daycare insurance. Whether you’re running a small home daycare or a larger facility, we understand the unique risks you face and we’ll work with you to provide the right coverage. From general liability to workers’ compensation and everything in between, our team will guide you through the options and ensure you have the protection that’s right your business.

Ondik Insurance Agency

If you need assistance or have any questions, our independent insurance agents are here to help.

Office Location:

728 Maple Street Conshohocken PA 19428