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Comprehensive Child Day Care Center Insurance for Your Peace of Mind

Protecting Day Care Centers Across North Carolina with Marlow Campbell Insurance Group

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Child Day Care Center Insurance Provided By Our Agency

As more families transition to dual-income households, the demand for daycare services continues to rise. Protecting your business is essential whether you run a small in-home daycare or a large multi-room childcare center. Let's discuss the risks and the types of coverage your daycare center in North Carolina needs.

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Medical expense liability
Physical abuse or molestation
Property coverage
Auto coverage
Umbrella liability

Medical expense liability coverage

Most general liability policies include medical payments insurance. It pays the cost of first aid and medical treatment for children or adults who are injured on the premises. Medical payments insurance is no-fault coverage, meaning it applies without a lawsuit.


Most general liability policies include medical payments insurance. It pays the cost of first aid and medical treatment for children or adults who are injured on the premises. Medical payments insurance is no-fault coverage, meaning it applies in the absence of a lawsuit

Physical abuse or molestation coverage

Risk Factors

Child care providers may be sued based on allegations that a child was physically abused or sexually molested. Claims may arise from acts allegedly committed by the operator or their employees, volunteers, visitors, or family members.


The plaintiff claims the provider failed to supervise an employee or volunteer adequately or hired someone without a proper background check. Unfortunately, many liability policies covering child care facilities exclude claims alleging physical abuse or molestation. Fortunately, some insurers offer abuse and molestation coverage for an additional premium.

Property coverage

Risk Factors

If you own the building that houses your child care facility, you may need commercial property insurance to help protect both your building and its contents. Likewise, if you rent, you may need property insurance to cover your valuable equipment.


You can get coverage based on a particular cause, which means you’re covered for events like fire, burglaries, vandalism, and frozen pipes.

Auto coverage

Risk Factors

Your pick and drop van might face an accident and get damaged. You become liable for the damages caused and also for the lawsuits if any.


If you use a car, truck, van, or combination of vehicles for your childcare business, then you need commercial auto insurance to cover damages and lawsuits in case of an accident.

Umbrella liability coverage

Risk Factors

You might face instances where the expenses incurred exceed your insurance coverage. If you don’t have enough coverage, you will be liable to pay the additional money from your pocket.


Umbrella liability insurance provides additional coverage when claims exceed the limits of underlying liability policies, including general liability and commercial auto insurance. Legal fees can easily exceed coverage limits on liability policies, and one liability policy can’t make up for another. Umbrella insurance picks up where your other liability policy falls short.

What is Child Day Care Center Insurance?

Child daycare insurance is a form of business insurance tailored to meet the needs of childcare providers. It offers crucial liability coverage and property protection to safeguard your business. Policies often come with customizable options, allowing daycare owners in North Carolina to create a plan that addresses their specific needs.

Who Needs Child Day Care Center Insurance?

Whether your daycare operates from home or a dedicated facility, having daycare insurance is vital. In many instances, it's a mandatory requirement. Don't rely on your home insurance to cover incidents related to your daycare business; it typically won't cover injuries or damages resulting from your daycare operations in North Carolina.

Essential Coverages for Child Day Care Centers

In today's litigious society, daycare centers face various risks that can lead to costly liability lawsuits. Even if claims are eventually dropped, the legal fees can be substantial. Here are key coverages that daycare centers in North Carolina should consider:

General Liability Insurance: Protects third-party claims for property damage, personal injury, and damage to one's reputation.

Property Insurance: Protects business assets, including buildings, equipment, and supplies.

Professional Liability Insurance: Covers claims resulting from errors, omissions, or negligence in your professional services.

Abuse and Molestation Coverage: Protects against losses arising from allegations of child abuse by an employee.

Commercial Auto Insurance: Covers injuries, damages, and lawsuits related to vehicle accidents involving your business.

Accident Insurance: Offers additional coverage for claims exceeding the limits of underlying liability policies.

Umbrella Insurance: Extends coverage for major accidents, benefiting injured children and their families.

Every childcare business, from home-based daycares to commercial centers, requires some form of business insurance. Working with children inherently involves potential liabilities, even if you don't own the premises or have significant assets. It's essential to protect your business from claims.

Daycare insurance can be complex and confusing. Fortunately, Marlow Campbell Insurance Group is here to guide you through a curated selection of coverage options. Contact us today to learn more about how we can protect your daycare center in North Carolina.

Already have Child Day Care Center Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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