Protecting the Littlest Lives: Commercial Daycare Insurance You Can Count On
Running a daycare isn’t just a job — it’s a calling. You nurture, teach, and protect the most precious part of a parent’s world. But while you’re focused on nap schedules, snack time, and story circles, who's protecting you?
At TWFG ~ Burridge Family Insurance, we understand the unique risks that come with owning and operating a commercial daycare. Whether you’re a small in-home provider or a large facility with dozens of children and staff, having the right commercial daycare insurance is essential to keeping your business — and your peace of mind — intact.
🛡️ What Is Commercial Daycare Insurance?
Commercial daycare insurance is a special type of business insurance that covers the specific risks childcare centers face. From slip-and-fall accidents to playground injuries, it protects your business, your employees, and most importantly, the children in your care.
This insurance often combines several types of coverage, customized for your operation. Think of it as a safety net that works behind the scenes, so you can focus on keeping your kids safe and happy.
📊 Common Claims in Daycare Settings
Here’s a look at the most frequent types of claims reported by daycare centers:
| Claim Type | % of Total Claims | Average Cost |
|---|---|---|
| Child Injuries (playground, classroom, etc.) | 40% | $18,500 |
| Slip & Fall Incidents | 25% | $12,000 |
| Allegations of Abuse or Neglect | 15% | $32,700 |
| Property Damage | 10% | $8,100 |
| Employee Injuries | 10% | $14,200 |
The bottom line? One incident could threaten the business you’ve worked so hard to build. The right policy helps you bounce back stronger — without missing a beat.
📋 Key Coverages Every Daycare Needs
Here’s what’s typically included in a solid commercial daycare insurance plan:
General Liability
Covers bodily injuries and property damage claims from parents, children, or visitors.
Abuse & Molestation Liability
Essential protection against allegations — even unproven ones can be financially devastating.
Workers’ Compensation
Helps cover medical bills and lost wages if your staff is injured on the job.
Commercial Property
Protects your building, play equipment, furniture, and supplies from fire, theft, and more.
Professional Liability
Covers claims that your staff made an error in care or supervision.
Umbrella Policy
Extra liability protection for large claims that exceed standard policy limits.
💡 How to Keep Costs Down
We know budgets matter, especially in childcare. Here are a few smart ways to reduce your premium without sacrificing coverage:
- Implement strict safety protocols – Regular inspections and staff training help reduce accidents.
- Hire qualified staff – Background checks and certifications can prevent future claims.
- Bundle policies – Combine property, liability, and workers' comp for multi-policy discounts.
- Work with a local agent – At TWFG ~ Burridge Family Insurance, we’ll review your plan annually to help ensure you’re not overpaying.
👶 Why Choose TWFG ~ Burridge Family Insurance?
We’re more than just an insurance agency. We’re your business partner, advocate, and safety net. When something goes wrong, we’re the first call you make — and we’re proud to be there.
With TWFG ~ Burridge Family Insurance, you get personalized support, fast responses, and policies tailored to meet the needs of your daycare. We know what it takes to protect kids, staff, and your reputation.
Got questions? Ready to review your policy? Reach out today at 972-926-5355 or click below.
Your daycare is full of life, learning, and laughter. Let’s make sure it’s protected for years to come.