A child leaves a classroom unnoticed.
The resulting allegations may raise general liability, professional liability and umbrella questions, depending on the facts and forms.
Commercial daycare insurance
Insurance built around the responsibility of caring for children.
Childcare centers face ordinary business risks—and extraordinary questions involving supervision, allegations of abuse, transportation, infant care, playgrounds, property and employees.
Established in 2007Commercial insurance experience
Every policy comes with a licensed agentHuman guidance before and after placement
Licensed in 10 statesAZ · IL · MO · NM · NC · OK · OR · SC · TN · TX
More than a generic business policy
A childcare center’s insurance has to reflect how care is actually delivered.
The important questions are not limited to square footage and payroll.
How many children are enrolled? What ages do you serve? Do you care for infants? Who transports children? Are there playgrounds, pools, field trips, cameras or food-allergy protocols? How are employees screened, trained and supervised? The answers shape both underwriting and coverage.
01
Abuse & molestation
Policy structure, defense, limits, insured persons, reporting and risk controls.
Learn more 02Child transportation
Owned vans, hired and non-owned vehicles, drivers, routes and passenger exposures.
Learn more 03Professional liability
Negligent supervision, failure to follow procedures and care-related allegations.
Learn moreThe whole center
One account can involve a dozen connected policies.
We help daycare owners coordinate liability, professional coverage, property, income, vehicles, employees, data and catastrophic limits instead of treating each policy as an isolated purchase.
Commercial experience since 2007
Detailed submissions give underwriters reasons to understand the account.
Liberty Union Insurance Group, Inc. was founded by Richard Phillips in 2007. We help commercial clients describe operations accurately, compare policy structures and receive licensed-agent service after placement.
For childcare centers, that means documenting the program type, capacity, age groups, staffing, screening, training, claims history, vehicles, premises and safety controls—not sending a vague application and hoping the carrier fills in the blanks.
Who we help
Commercial childcare operations with distinct needs.
Eligibility varies by carrier, state and individual risk. We begin by identifying the operation precisely.
01
Daycare centers
Commercial facilities caring for children for part of the day.
Learn more 02Preschools & nursery schools
Early-learning programs with education and supervision exposures.
Learn more 03Montessori programs
Programs whose age range, licensing and services must be accurately classified.
Learn more 04Before & after school
School pickup, transportation, field trips and older-child activities.
Learn more 05Church-affiliated childcare
Coverage coordination between the center and sponsoring organization.
Learn more 06Franchise & multi-location
Entity schedules, shared services, common limits and consistent controls.
Learn moreIllustrative claim questions
One incident can reach several policies.
These examples are educational and do not predict coverage.
A van carrying children is involved in a collision.
Commercial auto limits, passenger injury provisions, vehicle ownership, driver status and umbrella coordination become central.
A fire closes the center for months.
Building, contents, tenant improvements, business income, extra expense and the period of restoration must be evaluated.
Frequently asked questions
Daycare insurance questions
What insurance does a commercial daycare center need?
The answer depends on the operation, but a coordinated program may include general liability, professional liability, abuse and molestation coverage, property, business income, workers’ compensation, commercial auto, accident medical, cyber, employment practices liability and umbrella or excess liability.
Does general liability automatically cover abuse or molestation allegations?
No assumption should be made. Policies may exclude the exposure, provide a limited endorsement or use separate coverage. Review the applicable limit, aggregate, defense provision, insured persons, retroactive date if claims-made, reporting duties and exclusions.
Does a daycare van need commercial auto insurance?
A vehicle owned or regularly used by a daycare to transport children should be disclosed to an insurance professional. Vehicle ownership, passenger capacity, driver qualifications, routes and use all affect the appropriate insurance arrangement.
Can Liberty Union insure daycare centers outside Texas?
Liberty Union is licensed in Arizona, Illinois, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee and Texas. Eligibility and carrier availability vary by state and operation.
Commercial daycare insurance