By the General Liability Guide Editorial Team. Our guides are verified against actual insurance carrier rate sheets and state industrial commissions.
Childcare insurance is one of the most strictly regulated sectors in the industry. States often mandate specific liability limits before you can receive your operator's license.
Abuse & Molestation Coverage
This is a sensitive but essential part of daycare insurance. It provides legal defense and victim support if an allegation (true or false) is made against an employee. Most general liability policies explicitly exclude this unless added as an endorsement.
Frequently Asked Questions
Most states require at least $500,000 to $1,000,000 per occurrence, even for home-based operations with just 3-5 children.
About This Guide
This guide was researched and written by the General Liability Guide editorial team to help business owners navigate the complexities of commercial insurance. We use data from industry leaders and regulatory filings to provide the most accurate estimates possible.