Commercial daycare insurance designed for you

As a child care provider, you usually expect the unexpected, but the proper insurance coverage can provide peace of mind for those truly unexpected moments. SECURA’s commercial child care insurance coverage provides protection against unique risks specific to your business, and is ideal for:

  • Before/After School Programs
  • Head Start Programs
  • Licensed or Certified Commercial Child Care Centers
    (Includes 4K and 5K programs)

Find an agent to customize your child care insurance policy.

Child care insurance coverage inclusions

Most states require commercial child care providers to have insurance to help protect against potential legal repercussions. Safeguard your employees and property with SECURA’s Commercial Child Care insurance coverage.

Key coverage benefits

Human Services Property WRAP includes coverage for property damage, and includes:

  • Automated External Defibrillators
  • Emergency Vacating Expense

Elite General Liability WRAP provides coverage for additional insureds, such as the building owner, franchisor, and mortgagee.

Elite General Liability WRAP

  • Business Travel Accident Benefit
  • Catastrophe Employee Care Costs
  • Conference Cancellation
  • Emergency Real Estate Consulting Fee
  • Employee or Volunteer Indemnification Defense
  • Fundraising Event Blackout

Human Services Liability Wrap

  • Work Material Expenses
  • Damage to Property Caused by Client
  • Additional Insured – Human Service Organizations

Optional commercial child care coverages available

Add additional protection to best fit your needs with a range of supplementary coverages.

  • Abduction Expense
  • Abuse and Molestation Coverage
  • Business Auto WRAP
  • Commercial Liability Umbrella
  • Cyber Security
  • Employee Benefits Liability
  • Employment Practices Liability
  • General Liability
  • Non-Profit Directors and Officers Liability
  • Professional Liability
  • Workers’ Compensation and Employers Liability

Talk with your agent to align the unique needs of your child care business with the appropriate insurance coverage from SECURA.

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Insurance coverage with perks

Building an insurance policy shouldn’t be complicated. We’ll work with you and your agent to craft a unique policy to address the challenges and risks unique to your business.

We’re here when you need us

When we’re notified of a claim, we call back within 24 hours, follow up regularly, and work with you until the claim is resolved.

Ranked as a Top Performer

SECURA is consistently rated A (Excellent) with leading industry credit rater A.M. Best and ranked as a Ward’s 50 Top Performer for achieving long-term financial stability.

Affordable premiums

SECURA offers competitive premium prices for child care center insurance.

Complimentary Risk Management services

Take advantage of our risk management solutions and help improve safety at your child care center. Learn about child care ratios, background checks, and licensing requirements, or explore more articles and watch on-demand videos with safety tips to help you maintain a safe space.

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