Educational programming does not remove the childcare exposure.

Coverage depends on the operation, state, carrier, policy form and underwriting information.

Reviewed by Liberty Union Insurance Group · Updated October 2, 2026

Care and education overlap

A preschool may face allegations involving premises conditions, supervision, educational procedures, child release, employee conduct or field trips. Coverage should not rely on an imprecise label.

Program details

Describe ages, hours, curriculum, teacher qualifications, licensing or exemptions, food service, outdoor play, special-needs services, transportation and affiliation with another school or organization.

Contracts and property

Leases, facility-use agreements and school contracts can create additional-insured and indemnity requirements. Confirm responsibility for tenant improvements, outdoor equipment and business income.

Commercial daycare insurance

Tell us how your center cares for children.

Get a Quote Call 972-423-2300 or text 972-284-7120 anytime.

The independent-agency advantage

Change your carrier.
Keep your agent.

A premium increase does not have to end the relationship with the agency that knows your center. We can review your current operation and available carrier options at renewal. Availability and savings depend on underwriting and market conditions.