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Childcare and Daycare Business Insurance F.A.Q.

What types of insurance does a child care business need?

Child care businesses typically require several types of insurance coverage to protect against a variety of risks. General liability insurance is essential and covers accidents and injuries that may occur on the business premises or as a result of business operations. Professional liability insurance, or errors and omissions insurance, is also critical to protect against claims related to mistakes or negligence in providing child care services. Property insurance is important to cover damage to the business's physical property and equipment, such as from fire, vandalism, or theft.

What does business interruption cover?

Other important coverage options for child care businesses include business interruption insurance, which provides income replacement if the business is forced to temporarily close due to a covered loss. Workers' compensation insurance is also essential if the business has employees, as it covers medical expenses and lost wages for employees who are injured on the job.

How do I determine the appropriate coverage limits for my company?

To determine the appropriate coverage limits for your child care company, you should consider the potential risks and losses that your business could face. This includes the value of your business assets, the potential cost of legal settlements, and the amount of liability that your business may have. You can work with an insurance professional to assess your risks and determine the appropriate coverage limits for your specific needs. It's important to regularly review and adjust your coverage limits as your business grows and changes.

How much does business insurance cost?

The cost of business insurance can vary widely depending on factors such as the size of the business, the nature of the work, and the coverage limits required. it is important to note that insurance needs for child care businesses may vary based on the specific type of business and the services offered. For example, a home-based child care business may have different insurance needs than a larger child care center that employs several staff members. As such, it is important for business owners to work with a qualified insurance agent who can help assess their risks and recommend appropriate coverage options.

Childcare and Daycare Business Insurance Information

Childcare businesses have unique risks and challenges that require specific insurance coverage to protect both the business and the children in its care. Here are some of the coverages that are commonly recommended for childcare businesses:

1. General Liability Insurance: This coverage protects against third-party bodily injury and property damage claims. For childcare businesses, this coverage is important in case a child is injured while under your care or if there is damage to property on your premises.

2. Professional Liability Insurance: Also known as errors and omissions insurance, this coverage protects against claims of negligence or mistakes in providing professional services. For childcare businesses, this coverage can be important in case of legal disputes related to the care of children or educational services provided.

3. Property Insurance: This insurance coverage protects your business’s property, such as the building, equipment, and supplies, from damage or loss due to events like fire, theft, and weather-related incidents.

4. Workers’ Compensation Insurance: If you have employees, workers’ compensation insurance provides benefits to employees who are injured or become ill as a result of their work. This coverage is required by law in Texas if you have employees.

5. Commercial Auto Insurance: If your childcare business operates a vehicle to transport children, commercial auto insurance can protect against accidents and other incidents that may occur while driving.

6. Abuse and Molestation Coverage: This coverage is specific to childcare businesses and protects against claims of abuse or molestation by employees or volunteers.


In Texas, insurance providers offer a variety of coverage options for childcare businesses. The specific coverage you need and the cost of that coverage will depend on the size of your business, the number of children in your care, and the risks associated with your activities. It’s important to work with an experienced insurance agent who can help you assess your risks and identify appropriate coverage options.

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Customer Reviews

Mojo BlockMojo Block
18:36 23 May 23
Voyage Insurance Group is very new to me and my family in search of equitable and affordable insurance. The cost of insurance in this current rise of inflation and greed is difficult to figure out. Voyage has shown to me real results…They are simply refreshing and sincere in their approach to the buyer’s needs. However you have morphed seeking a positive desire for change that is affordable in you quest of the right insurance, home or car., Voyage is worth the call… Trinity or Rachel are great at their job to seek out more affordable and equitable insurance… Thank you Trinity and Rachel…
Sal Da DoorSal Da Door
17:16 15 Feb 23
Micah is always friendly and reliable. His word truly is his bond and I’d prefer no one else to handle any of my insurance needs.
DeQuincy LydiaDeQuincy Lydia
04:17 15 Feb 23
Always great working with Michael. He is very professional, knowledgeable and also quick to respond to any questions I may have. He was really able to help me last minute and I'm very grateful!
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03:12 03 Feb 23
Micah Clements was very prompt and professional in assisting me with my needs for home and auto insurance. Micah provided me with multiple options that best fit within my financial budget. I really didn’t think he was going to be able to beat what I was paying with my prior insurance company, but he did, by half! I’m happy I was referred to this group.
23:41 02 Feb 23
the best quote and profesional Customer Service, you can trust in Voyage Insurance Group.
I had a great experience getting assistance from Brandi Grauel, she is so professional and attentive, she was able to show me several car insurances options and helped me to find out what was the best option for me. Anyone who is shopping around but not sure yet.. give her a call
Regina PopeRegina Pope
21:17 02 Apr 22
David Miller out of Pearland helped us save so much money on our personal auto and our commercial auto premiums. We received such a good deal that we paid it all upfront! David was quick and efficient and we are glad to do business with him!
Bridgette GarciaBridgette Garcia
19:21 02 Apr 22
I had an exceptional experience with Voyage Group Insurance. David Miller was amazing! He provided great customer service and saved me $250. Thanks David!
Nate HeckmanNate Heckman
17:45 29 Mar 22
I've had a great experience with Voyage Insurance Group. Sergio Guerrero was the first person I spoke with about my quote and he was extremely helpful and pleasant to speak with. He was very professional and clear with his explanations to my questions. I appreciated that a lot. As a new customer I am indeed satisfied with my experience. Thank you!!!