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Childcare Insurance Calculator

Daycare centers, preschools, and childcare facilities. Compare childcare insurance rates across all 50 states.

Risk Multiplier: 1.5x • Common: GL, E&O, WC

Childcare General Liability Insurance by State

Protects against third-party bodily injury, property damage, and advertising injury claims. The most fundamental commercial insurance policy.

Childcare Workers Compensation Insurance by State

Covers employee medical expenses, lost wages, and rehabilitation costs from work-related injuries or illnesses. Required in most states.

Childcare Professional Liability Insurance by State

Also called Errors & Omissions (E&O). Protects against claims of negligence, mistakes, or failure to deliver professional services.

Childcare Commercial Property Insurance by State

Covers damage to business property including buildings, equipment, inventory, and furniture from events like fire, theft, or storms.

Childcare Business Owners Policy Insurance by State

Bundles general liability and commercial property insurance at a discounted rate. Ideal for small to mid-sized businesses.