Adult & Child Daycare Insurance Solutions

Commercial Brokers of America will ensure that your childcare insurance’s coverage is designed to meet the needs of small, at-home daycare providers. Our daycare coverage offers limited property and liability coverage that, when added to your policy, is an extension of your homeowners insurance.

You may think that your at-home daycare is covered by your standard home insurance policy, but you’ll actually need to add home daycare coverage if you want coverage for liability events — such as if a child slips on spilled milk — or coverage for damage to your business property — such as a fire destroying your daycare equipment and property.

Most states require a home daycare business to carry liability insurance in order to meet licensing requirements.

When you add  home daycare insurance coverage to your homeowners insurance policy, you’re extending the same liability limits and coverage of your personal home insurance to your small business.

While this added protection gives you peace of mind, you’ll want to make sure the limits are adequate for your business. Depending on the size of your daycare, you may need to consider a commercial policy, which is separate from your home insurance policy and a more extensive option with broader coverage for your business.