Early Care & Education
Daycare insurance isn’t just what we do—it’s where we lead. In the hardest insurance market ECE has ever faced, we’ve helped centers across the country find solutions. When the pressure is on, we hold the line.
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Coverage Built for Early Education
Early learning businesses face challenges most policies weren’t built for—tight regulations, parent expectations, and the realities of caring for kids every day. Our coverage options are designed to tackle these risks and many others.
Business Interruption
If a covered event shuts you down, this helps replace lost income and pays ongoing bills so your business can bounce back faster.
Umbrella Liability
Think of it as extra protection on top of your other liability policies in case a big claim maxes out your limits.
Employment Practices Liability (EPLI)
Covers claims of discrimination, harassment, or wrongful termination from employees—and with the right endorsement, even third-party claims, like when a parent alleges discrimination after a child is disenrolled for behavioral issues.
Worker's Compensation
If an employee gets hurt or sick on the job, this pays for their medical bills and lost wages so you’re not on the hook. It's also mandatory in every state except Texas.
Commercial Property
From your building or tenant improvements and furnishings to outdoor items like playground equipment and signs, this protects the stuff your business owns if it’s damaged by things like fire, storms, or theft.
Professional Liability
Covers issues general liability or abuse/molestation policies won’t like a child with a documented food allergy being given the wrong snack, a bottle mix-up, or a medication error.
Abuse Liability
A tough but necessary one since it's usually excluded from general liability—this coverage steps in if claims of sexual or physical abuse or molestation are made against your business.
Business Auto
If your center owns a vehicle and there’s an accident, this keeps you protected from the costs of injuries or damage.
Accident Medical
Covers medical costs if a child gets hurt at your center or at a sponsored activity—no finger-pointing over fault required.
General Liability
A must-have policy that covers injuries, property damage, and certain lawsuits connected to your day-to-day operations.
Not sure which coverages you need?
Get a personalized coverage assessment