JD
Reviewed by John Doe, CPCU
Licensed Insurance Professional • 15+ years experience
VERIFIED
Childcare insurance is one of the most strictly regulated sectors in the industry. States often mandate specific liability limits before you can receive your operator's license.
Abuse & Molestation Coverage
This is a sensitive but essential part of daycare insurance. It provides legal defense and victim support if an allegation (true or false) is made against an employee. Most general liability policies explicitly exclude this unless added as an endorsement.
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Frequently Asked Questions
About This Guide
This guide was researched and written by the General Liability Guide editorial team to help business owners navigate the complexities of commercial insurance. We use data from industry leaders and regulatory filings to provide the most accurate estimates possible.