Commercial Child Care

Insurance for Child Care Centers

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Insurance for Child Care Centers

Our child care product allows the applicant to pick and choose desired coverage and limits. Policies can be written as a complete package or monoline liability for residential and commercial child care centers that follow state guidelines for staff to child ratios.


Ineligible Child Care Centers

Please note we cannot offer coverage to the following:

  • Risks with swimming pools
  • Risks with less than two means of egress (less than two exits)
  • Risks with inspection violations
  • Risks that do not comply with state child to staff ratios
  • Located in AK, LA or WV
  • Property coverage in FL (unavailable with this product)


Coverage Available for Childcare Centers

  • Property values up to $3,000,000 in protection class 1-8, up to $1,000,000 in protection class 9-10 or up to $500,000 excluding wind and hail in coastal regions
  • General liability limits up to $1,000,000 per occurrence $3,000,000 aggregate
  • Professional liability up to general liability limit
  • Child abuse or molestation limits up to $1,000,000 occurrence, $1,000,000 aggregate – defense costs can be inside or outside the limit


Optional Coverage for Childcare Centers

  • Hired and non-owned auto
  • Employee benefits coverage
  • Equipment breakdown
  • Employers liability (OH, ND, WA, WY)
  • Business income coverage
  • Value Plus – Property enhancement endorsement including water/sewage backup, valuable papers, money and securities, employee dishonesty, sign and much more

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Claim Example for Child Care Centers

two small children reading a book together on the floor

General Liability: Tyler, a student, fell off the swing at the childcare playground. His front two teeth were knocked out. He incurred $2,000 in dental work. Tyler’s mother filed a claim for the dental expenses and an additional $5,000 alleging emotional distress.


Professional Liability: Sally’s mother claims that Child Care center failed to render professional service in the administration of their education program. Sally had failed to identify enough colors and shapes to pass an entrance exam to a private school. Sally’s parents are suing for the cost to hire a special tutor and a refund of their tuition paid to Small World Child Care.


Child Abuse or Molestation: A disgruntled parent claims her child had bruises on his arm. When asked, her child stated his teacher hurt him. Charges filed include improper hiring, improper training of employees, and failure to protect the child from harm. Attorneys are hired to defend the school against these charges. The case is dismissed after an investigation fails to prove any abuse occurred. The center’s defense costs amount to $25,000.


Hired and Non-Owned Auto Coverage: The owner Beth asked Molly an employee of the Care Center, to run to the store for craft supplies for the holiday project. While en route to the store Molly rear-ends another car at a stop sign causing $4000 worth of property damage and $9,000 in bodily injury to the other driver and automobile.


Certain Civil/Criminal Defense Cost Reimbursement*: Doug, a student, stated to his mother that an employee of ABC Child Care, touched him inappropriately. Doug’s mother then filed a report with the local police who then filed criminal charges against the employee. The employee claimed her innocence and while defending her good name and reputation incurred $30,000 in criminal defense costs. The charges were later dropped, when Doug admitted that he had fabricated the story to get back at Lauren for not allowing him to go outside when it was raining. She was reimbursed for all of her defense costs.


Medical Payments: Michael and John, both students at a local childcare center, were playing with matchbox cars when they both decided that they wanted to play with the red sports car. Michael, determined to play with his favorite car, pushed John causing scrapes and abrasions on his arm. After receiving a phone call from the center, John’s mother picked John up and took him to the hospital. The injuries resulted in a $2,000 bill for services provided by the hospital.


Please note –
You must be an appointed Peachtree Special Risk Brokers, LLC retailer to use these programs. Quotes obtained via these programs will only be bound IF you are previously appointed producer with a currently executed Producer Agreement with any Peachtree office.  |  Also, you must be properly licensed with the State in which the risk is located, with a copy of your State license on file with us.  |  Prior to Binding, you must confirm with your local Peachtree office to determine any and all applicable taxes and fees.  |  No coverage is bound until confirmed in writing from a Peachtree representative.  |  Please contact a Peachtree representative if needed for additional pricing considerations on any quote received using these programs or if your submission has been declined.  – Thank you! –