How Much Does Insurance Cost For An In Home Daycare?

  1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    In home daycare is a commercial risk.  To get a quote contact a commercial insurance agent.  I am confident that there are special packages for in-home daycare.  You can contact other day care providers and see where they secured coverage.  There are associations that also offer packages.  If all else fails, go to a large broker and ask about a package and see what they can put together.
    Answered on April 28, 2014
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  2. 170 POINTS
    Katherine Hood
    Agent, Hood Agency, Alaska
    Great question.  A typical renters or homeowners policy will cover the cost of a small in home daycare for 40-100 dollars a year, by a simple endorsement (change to your existing home or renters insurance)  What I mean by small, and each company will have their own rules so always call your insurance provider, is by having four or less children under your care that are not related to you.  The cost for a larger in home daycare would need to be covered by a commercial insurance agency and would require a lot more information, number of children, hours of operation, food preparation, staff and certification.
    Answered on April 28, 2014
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