General Liability for a Daycare Business

General Liability Daycare Insurance

Get general liability insurance for a daycare business

We can help you get daycare general liability insurance.

When you run a daycare, you have a lot on your plate. Not only are you managing the children and caring for them, you’re interacting with their parents, maintaining the facility, keeping everything sanitized and clean, and more. With all of that going on, the last thing you might feel like dealing with is getting general liability insurance for a daycare. While that’s an understandable feeling, daycare general liability insurance is essential. The good news is that we can help.

What is daycare general liability insurance?

The first question you might wonder about is what exactly general liability is or does. General liability insurance, or GL for short, is the coverage that can protect your daycare if someone alleges that your business caused them bodily harm. The following may be covered by a general liability policy:

  • Third-party bodily injury
  • Third-party property damage

That’s a broad look at what your daycare general liability insurance policy could cover. It is, of course, crucial that you read the policy carefully and discuss any questions you may have with your agent to be sure you know what is and isn’t covered. When it comes to insurance, you do not want to be in doubt about your coverage.

Get a general liability daycare insurance quote now

Looking to shop insurance rates for your in-home daycare or regular daycare business? Our team at is here to help.

Daycare general liability: An example

General liability is the coverage that could, for example, protect your business if a guest had a bad slip-and-fall on your premises and ends up with some fairly extensive injuries. The injured party could sue over the incident, and that’s where your general liability can help. It could cover the injured person’s medical bills and it can help with your daycare’s legal expenses if you get sued.

Medical bills and legal expenses, as you know, can become extremely expensive very quickly, which is why it’s important that you have the right general liability insurance for your daycare. That’s why GL is a coverage that a lot of small businesses consider. Without it, your daycare would be vulnerable to the expenses of a major lawsuit — a lawsuit that could prove draining.

How much does daycare general liability cost?

Now, the next question that might be on your mind is this: how much does general liability insurance for a daycare cost?

Well, that’s an excellent question. The answer, however, isn’t a simple one. There are many factors that affect the cost of daycare insurance, and each business is different. The insurance coverage that fits one daycare perfectly might not suit the needs of your business. That is why it is generally a good idea to talk to a trustworthy insurance agent to get quotes for the daycare general liability insurance that is right for your business. Without getting a quote, it’s difficult to say exactly how much you should expect to pay. But don’t worry — getting an insurance quote isn’t nearly as painful as it might sound!

How do I get general liability insurance for a daycare?

It’s understandable that you might dread dealing with anything insurance-related. But the good news is that we’re here to help you through that process and walk you through all the complicated insurance jargon. To get started with your daycare general liability insurance, all you have to do is fill out our quote form. That gives us some of the information that we need to get started with assisting you with your quotes. However, if you prefer to talk on the phone, you can just give us a call! We’re happy to talk on the phone with you and discuss your daycare business’s insurance needs.

Whether you are in need of in-home daycare general liability insurance or you have a separate facility, we’re here to help with your daycare business insurance needs. Getting the right insurance is extremely important to protect your business against the risks that you’re up against.

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Get general liability insurance for a daycare

To recap, general liability is the type of insurance that can protect your business if someone alleges that it caused them bodily harm or property damage. (A slip and fall is a common example.) Since medical expenses and legal expenses are both extremely high, it’s best not to take any chances and get daycare general liability insurance that you trust. To get started with your quotes, you can fill out our online form or give us a call. We’re here to help you get the right daycare insurance or home daycare insurance for your business.