Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 6 named markets · read 2026-10-28

Who insures Adult day care and daycare centers?

Adult day care and daycare centers is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

6 markets publicly write Adult day care and daycare centers: West Bend Insurance Company, Amwins (Human Services and Behavioral Health product), Burns & Wilcox, Philadelphia Insurance Companies (PHLY), Beazley (Miscellaneous Medical Liability) and others. 2 admitted carriers, 2 wholesalers, 2 E&S carriers. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
West Bend Insurance Company
Admitted carrier		Specialized childcare insurance program for licensed, certified or registered providers: in-home (family) daycare centers, group and commercial childcare centers, 24-hour/night-time operations, drop-in centers, latchkey and before-and-after-school programs; its nonprofits page separately lists Adult day care among groups it commonly insures.
“Our childcare business insurance is designed for daycare centers, preschools, and before-and-after-school programs”		through independent agencies in 14 states (AZ, IL, IN, IA, KS, KY, MI, MN, MO, NC, OH, TN, VA, WI); availability may varynot statedthesilverlining.com · read 2026-10-28
Amwins (Human Services and Behavioral Health product)
Wholesaler		Eligible classes include Adult Day Care and Daycare Facilities including Montessori Schools and Head Start Programs, with professional and general liability, dedicated sexual abuse and molestation limits, hired/non-owned auto and umbrella/excess; backed by specialty E&S carriers via Amwins Brokers.
“Adult Day Care”		not statedSurplus linesamwins.com · read 2026-10-28
Burns & Wilcox
Wholesaler		Social Services and Facilities specialty naming Adult Day Care Facility & Disabled Programs, placed as professional liability monoline or PL/GL package with sexual and physical abuse coverage, hired/non-owned auto, property and umbrella/excess.
“Adult Day Care Facility & Disabled Programs”		not statednot statedburnsandwilcox.com · read 2026-10-28
Philadelphia Insurance Companies (PHLY)
Admitted carrier		Child Care program for child care centers, preschools, day cares and after-school programs, nonprofit and for-profit; the Non-Profit Human Services page carries an Adult Day Care supplemental application.
“insurance uniquely designed to fulfill a wide range of special insurance needs for child care centers, preschools, day cares”		not statednot statedphly.com · read 2026-10-28
Beazley (Miscellaneous Medical Liability)
E&S carrier		Medical professional liability whose 'Who we can help' list includes Daycares adult/child, together with home health/companion care/hospice, behavioral healthcare providers and foster and adoption agencies.
“Daycares adult/child”		not statednot statedbeazley.com · read 2026-10-28
Kinsale Insurance
E&S carrier		Allied Health Division Social Services target classes include Special needs day care, group homes and residential facilities for the physically & mentally disabled.
“Special needs day care”		not statednot statedkinsaleins.com · read 2026-10-28

Markel's child care program could not be verified (markel.com/us pages returned 404); The Hartford's site timed out on every attempt; Church Mutual's nonprofit page names only shelters/food-related groups. Great American Specialty Human Services' class list is a PDF whose text could not be extracted.

How Adult day care and daycare centers gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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