Child Care Center Insurance, Day Care Insurance Quotes

Stratum Insurance Agency LLC is excited to announce that we have options for child care insurance and day care insurance in 48  states. Both home-based and childcare and daycare centers can be quoted with a variety of coverage options.  Whether you have a small home-based childcare business or you rent a large space to run your operation, Stratum can help.

The childcare business is a valuable part of our society and insurance for this industry is crucial for protecting business owners. There are many potential claims that could arise from operating a business that works with children.  Learn more about sample childcare center claims here.

When shopping for insurance, it is crucial to review the many types of coverage that are available.  Too many policies have only general liability coverage and lack many of the other key protections for a childcare business.   

Some valuable coverages that can be quoted, often on a single policy:

  • General Liability
  • Professional Liability
  • Defense Cost for Allegations of Abuse and Molestation
  • Hired / Non Owned Auto Coverage
  • Property coverage options are available to protect your equipment, your tenant improvements or your building, business income and more.
  • Commercial Auto Insurance for the Childcare Industry

What about adding coverage for my day care business to my homeowners insurance?

This is an option for many people, but the major concern is that this type of coverage, added to a homeowners policy, is very limited.  A stand-alone childcare or daycare policy often provides broader coverage options, such as those referenced above.  Make sure that you have a good understanding of the protections that could be provided by a homeowners policy, when choosing this option.

Request a quote Online – Quotes are available in 48 States.

Did you know that many policies include free hotlines or other resources to customers? 

Learn about Sample Claims:


At this time a member of our team can assist with many types of insurance in the following states:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii*, Idaho, Illinois,  Iowa*, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana*, Nebraska, Nevada, New Jersey, New Hampshire, New Mexico, New York*, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island* South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin. and Wyoming residents. In Ca Lic 0e52066.

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