Daycare Insurance

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Protect your Daycare and give parents peace of mind with business insurance for child care.

Accidents can happen instantly, but with daycare insurance, you can rest easy knowing you’re prepared for unforeseen events.

Click on one of the below topics to unpack your Daycare business insurance:

Building & Property

Commercial Property Insurance provides coverage for the necessary supplies, equipment, and furniture required for the smooth functioning of a daycare facility. Whether you are the owner or a tenant, this insurance safeguards your property and its contents in case of loss or damage caused by covered incidents such as fire, theft, or vandalism.


Commercial Liability

To be liable mean simply that you are found to be legally responsible. If you are liable for injury to someone or found responsible for damage to another’s property, you can be sued for damages. No one likes to imagine being sued. But accidents happen, and if one does occur and you’re deemed negligent, you could find yourself with a hefty settlement.


Business Interruption

What do you do if you suffer a business interruption, such as a property insurance claim forcing your business to close temporarily? Revenue drops to zero. Often, payroll still has to be paid. Your rent or commercial mortgage is still due on the 1st. Utility bills and loan statements keep rolling in. Seasonal slowdowns are one thing, but when your revenue drops to zero unexpectedly, everything you have worked to build may be at risk.


Equipment Coverage

The loss of vital equipment could undoubtedly impact your ability to operate your business. This coverage covers the costs to repair your mechanical, air conditioning, electrical and electronic systems and equipment, water heaters, and boilers if something breaks.

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Cyber Coverage

Cyber has become a rather ambiguous term in today’s data age. When we reference cyber, we refer to your computer, electronics, network, data processing and transferring, for example. Cyber risks include data breaches, privacy breaches, and/or computer attacks. Data is a lucrative commodity for criminals because of its value to a business, and using phishing attacks is an easy way to steal.


Personal Health Plan

Get a customizable health insurance plan that helps replace or fill the gaps in your provincial or workplace benefits, whether you’re looking for individual or family health insurance that best meets your needs. A Basic Plan Includes:

  • Accidental Death & Dismemberment (under age 65)
  • Accidental Dental
  • Diabetic Supplies
  • Health Practitioners
  • Hearing Aids

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What is daycare insurance, and how does it help?

Running a daycare comes with inherent risks, especially regarding the safety and well-being of the children in your care. Protect yourself and your business, and give parents peace of mind with comprehensive daycare insurance. From safeguarding your premises and equipment to protecting your company’s reputation, daycare insurance is crucial for every daycare business, whether from home or rented premises. Don’t leave anything to chance – ensure safety.

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daycare insurance

Daycare owner’s liability insurance (CGL).

As a daycare owner, your primary concern is the safety and well-being of the children in your care. Commercial General Liability Insurance (CGL) protects your business from potential liabilities, including allegations related to third-party property damage, physical harm, and personal injury. A general liability insurance policy can cover legal costs, irrespective of the lawsuit’s outcome. For instance, if a child under your supervision injures themselves while using a mini-trampoline during their free time, resulting in a bodily injury claim filed by their parents, CGL insurance can offer protection.

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daycare liability

Keep your clients’ information safe and secure.

As a daycare center, you handle sensitive client data daily. Protecting this information is vital for the well-being of your business and for gaining parents’ trust. Cyber Liability Insurance is crucial for businesses that handle sensitive client data, such as financial or medical information. These businesses are responsible for safeguarding this data from any potential breaches. Cyber insurance can help cover the expenses related to electronic incidents, such as cyber hacks, that involve your technology systems and data.

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cyber liability

Running a daycare comes with inherent risks, especially regarding the safety and well-being of the children in your care.

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