Daycare, home daycare and after-school program insurance for the kids in your care.
Insurance for child care centers, family child care homes, preschools, after-school programs and private K–12 schools.
Quick answer A daycare or after-school program needs coverage built for child care: general and professional liability for injuries and supervision claims, abuse and molestation coverage, property coverage, and workers' comp for teachers and staff.
- Abuse and molestation coverage is strongly recommended and often required for any program caring for children, and many policies exclude it unless it is added.
- A homeowners policy usually does not cover a home daycare, because homeowners policies generally exclude business activity, so a family child care home needs its own coverage.
- Child care is licensed by the state's Community Care Licensing Division, and parents, landlords and school boards often ask child care programs for proof of coverage.
- Underwriters rate daycare and child care insurance on capacity, ages served, facilities, staffing, transportation and claims history.
- Sam Alishahi places child care and school coverage with carriers that specialize in insuring child care programs.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Children in your care change the risk
Caring for children brings claims standard business policies aren't built for: playground injuries, supervision claims, and abuse allegations, which need specific abuse and molestation coverage. Home-based child care also needs coverage beyond a homeowners policy, which usually excludes a business run from the home.
Child care is licensed by the state's Community Care Licensing Division, and parents, landlords and school boards often ask for proof of coverage. I place child care and school coverage with carriers that specialize in the class.
- General and professional liabilityInjuries and supervision claims.
- Abuse and molestationEssential, and excluded unless added.
- PropertyThe building or space, furniture and equipment.
- Workers' compTeachers and staff.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- License: center or family child care home, and capacity.
- Children: ages served and enrollment.
- Staff: teachers, payroll and background checks.
- Location: own or lease, playground and pool.
- Transportation: field trips or vans.
- History: current policies and claims.
Daycare insurance, answered
Does my homeowners policy cover a home daycare?
Usually not. Homeowners policies generally exclude business activity, so a family child care home needs its own coverage.
Is abuse and molestation coverage necessary?
For any program caring for children, it's strongly recommended and often required. Many policies exclude it unless added.
Do private schools need D&O?
Boards of private schools are commonly sued over decisions, so D&O is often part of a school's insurance.
What do underwriters rate on?
Capacity, ages served, facilities, staffing, transportation and claims history.
Do you offer daycare and private school insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Tell me about your program. I'll shop it.
Your license type, capacity and location are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.