Businesses that may fit this online path
The application evaluates the exact work performed. Examples in this broad category include:
- Child care centers
- Eligible in-home child care businesses
- Preschools and early-learning programs
- Before- and after-school programs
- Other qualifying child-focused care operations
Coverage options to consider
Products and endorsements vary by eligibility, profession, state, and the application responses.
General Liability
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Professional Liability
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Business Owner's Policy
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Commercial Property
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Workers' Compensation
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Abuse or Molestation coverage where available
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Commercial Auto where needed
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Information to have ready
- Program type, ages served, capacity, and hours
- Locations, licensing, staffing, and employee screening
- Playgrounds, food, field trips, and transportation
- Emergency, pickup, supervision, and incident procedures
- Claims history and requested effective date
Frequently asked questions
Can every child care business purchase insurance online?
No. Licensing, capacity, ages, services, transportation, staffing, loss history, and requested coverage can require specialist underwriting.
Is abuse or molestation coverage automatic?
No. Availability, limits, exclusions, defense provisions, and requirements vary. Confirm the actual offered coverage and risk-control expectations.
Online eligibility and coverage are not guaranteed. Products, terms, pricing, effective dates, and document availability are determined during the application. Actual policy documents control.