Daycare Liability Insurance: Coverage Requirements, Costs, and What Operators Miss in 2026
Reading Time: 5 minutesKey Takeaways for Daycare and Childcare Operators Required in most states: 47 of 50 states require some form of liability insurance for licensed daycare centers Typical cost: $1,200–$5,000/year for small centers; $5,000–$15,000/year for large commercial facilities Must-have coverages: General liability, professional liability (abuse & molestation), commercial property, workers comp, and hired/non-owned auto Abuse & molestation […]