Daycare & Childcare Insurance
Insurance That Understands Childcare
Caring for children comes with responsibilities most businesses never face. We help daycare and childcare facility owners protect their property, staff, vehicles, and operations with insurance built around the way your center actually works.
Childcare Insurance Expertise
Caring for someone else’s child creates risks that require specialized attention. We look beyond basic business insurance to understand your enrollment, ages served, staff, licensing, transportation, activities, and daily operations.
Coverage That Grows With You
More children, new employees, another location, new playground equipment, or added transportation can change your insurance needs. We review these changes so your coverage can keep pace with your childcare business.
Multiple Carrier Options
As an independent agency, Stockton-Hill works with multiple insurance carriers that serve childcare facilities. If your operation changes or carrier's rates or underwriting change, we explore other options won your behalf.
Building Insurance Around Your Childcare Center
No two childcare facilities operate exactly alike. We want to understand who you serve, how many children you care for, your staff, property, transportation, field trips, food service, summer programs, and other activities. As Layne Beasley says, “We do not know what we do not know.” Those details help us identify the protection your operation may need.
Liability & Professional Protection
Childcare centers take responsibility for children throughout the day. General liability is important, but it may not address every exposure. Professional liability, abuse and molestation coverage, employment practices liability, and umbrella insurance can also play important roles. We explain why each coverage matters and how it may apply to your operation.
Property, Equipment & Facilities
The building is only one part of your childcare center’s property. Computers, signs, kitchen equipment, furniture, fencing, and playground equipment can represent significant investment. For example, playground equipment is not automatically protected because it's outside the building. We look at all of your assets and the cost for replacement, helping ensure proper coverage.
Transportation, Staff & Changing Operations
Buses, vans, field trips, new drivers, additional employees, summer programs, overnight care, and new locations can all change your insurance needs. Changes in staffing, transportation, or the programs offered may create new responsibilities and exposures. Your insurance should reflect how your childcare center operates today, not when the policy was first written.
Your daycare & childcare insurance agent
Additional Childcare Insurance Risks
Children, Supervision & Daily Care
The greatest responsibilities in childcare often come from the care itself. Supervision, food allergies, staff decisions, and interactions with children and parents can create exposures that ordinary businesses do not face. These topics can be difficult, but they deserve a thoughtful insurance conversation.
Important Areas to Review
- General and professional liability
- Abuse and molestation coverage
- Food allergies and care instructions
- Employee training and background checks
- Umbrella and employment practices liability
Property, Playground & Transportation Changes
Childcare facilities change over time. New playground equipment, furniture, computers, signs, security systems, vehicles, and facility improvements can affect your insurance needs. “We ask detailed questions because everything has a reason,” Layne explains. Understanding these changes helps ensure your coverage reflects what your center owns and how it operates. Even minor additions can become important when you need to repair or replace property after a loss.
Changes to Discuss
- New or upgraded playground equipment
- Building renovations, roofs, fences, or security systems
- New buses, vans, vehicles, or drivers
- Computers, furniture, signs, and kitchen equipment
- New classrooms, locations, or other property
Enrollment, Programs & Cyber Risk
Business growth can change much more than your enrollment and staff. Adding before- or after-school care, summer programs, field trips, transportation, or overnight care can introduce new responsibilities and exposures. Changes in enrollment can also affect staffing and supervision needs. At the same time, childcare centers handle sensitive family, payment, and medical information, making cyber liability an increasingly important consideration. Stockton-Hill reviews these operational changes as part of the overall insurance picture to help ensure coverage reflects how your center operates.
Operations to Review
- Changes in enrollment or licensed capacity
- Summer, before-school, or after-school programs
- Field trips and transportation
- Additional locations or expanded hours
- Electronic records and payment information
- Cyber liability and online systems
What our clients say
I loved the personal touch. I didn't feel like I was talking to someone who was in a phone room, taking a million calls a day. The people were so nice and engaged in our conversation. They all worked hard to get me squared away with great insurance, at a really great price. They made it so easy for me. I love that. They are great at what they do.
They are always very helpful for me, I add and delete things from my policy pretty often.
Always responsive, courteous and helpful. Highly recommended!
Let's explore your options
Whether you're requesting a quick personal quote or a detailed commercial review, you'll connect with a real person who listens, explains clearly, and follows through. Sharing your current policy summaries or insurance documents helps us provide faster, more accurate guidance tailored to your needs.
- inquire@stocktonhillinsurance.com
- (740) 642-3333
- Text: (740) 688-3050
- 10212 State Route 159, PO Box 648, Kingston, OH 45644
- M-F: 9am-5pm, S-S: Closed
Fax (877) 747-9032