Daycare Insurance Cost
Pick a coverage to see the published figure for human and social services (the category daycare centers fall in), type a quote to compare, and tick coverages to add up a yearly budget.
How to use the Daycare Insurance Cost Tool
- Under “Coverage”, choose a row of the published table: general liability, workers’ compensation, business owner’s policy (BOP), professional liability, directors and officers (D&O), cyber, or commercial auto.
- Read the published figure per month and per year for that row. Where the source states limits, they appear with the figure. For example, general liability shows $1M per occurrence / $2M aggregate.
- If you have a quote, enter it under “Your quote (optional)” and set “Quote is per” to month or year.
- Read “Your quote against it”, which shows how far the quote is above or below the published figure.
- Open “More options” if you want more detail. Enter “Annual revenue (optional)” and “Employees (optional)” to see “Share of revenue” and “Per employee” for the ticked budget total.
- Under “More options”, tick “Add to budget” for each coverage you want counted. The total is the sum of separate published medians. A sum of separate medians is not the price of a bundle.
- Treat every output as an estimate only. Quotes come from a licensed insurer or agent.
Everything is calculated in your browser. The tool does not ask for contact details, and it does not send your numbers anywhere.
What do the published daycare insurance cost figures show?
These numbers are medians of what Insureon’s clients in the human and social services group paid for each coverage type. They are the only specific figures this tool relies on, and it adds no estimate of its own. General liability runs $91 per month or $1,097 per year, and BOP runs $135 per month or $1,624 per year. Workers’ compensation is $145 per month or $1,744 per year, while cyber is $129 per month or $1,552 per year.
Where do the daycare insurance cost figures come from?
The figures come from Insureon’s cost page for human and social services, updated 10 June 2025. Daycare centers fall within that group. The page gives no daycare-only figures. Insureon’s separate daycare page lists the same monthly figures for general liability ($91), BOP ($135), and professional liability ($99), tagged under this same category. That page shows no update date.
Why can a daycare’s cost differ from the published figure?
According to Insureon, a large daycare center pays more for general liability than a low-risk group such as an after-school book club. No dollar amount is given for that gap. The listed factors for daycare are: services offered, number of children and age group, property and equipment, employees, revenue, location, limits and deductibles, and claims history. Any one of them can pull a quote away from the published median. The tool does not weigh these for you.
How do I compare a quote with the published daycare insurance cost?
Pick the matching coverage row, enter the quote, and set “Quote is per” to month or year so the units match. A monthly quote is multiplied by 12 to reach a yearly figure, and the tool then compares it with the published yearly amount and shows the gap as a percentage above or below. That gap measures distance from a median, not whether a quote is right for your business.
What do Insureon’s percentages for buyers mean?
The source page reports that 19% of general liability buyers pay less than $50 a month, and 57% pay less than $100 a month. The same page notes that 77% pick $1M / $2M limits. For BOP, 35% of buyers pay less than $100 a month, and 67% pay less than $200 a month. These figures describe shares of buyers in the source, not quotes for any daycare. The tool does not turn them into a forecast.
Why does adding coverages not give a bundle price?
Every published figure is a median for a single coverage type. Adding several to the budget under “More options” makes the tool sum those medians. The result is a total, not the price of a combined policy. A note on the tool points out that an insurer’s bundle price can differ from that sum, so your own quotes settle it. Insureon describes its figures as medians of policy costs but calls them averages in each section, so this page uses “published medians” throughout. This is an estimate only; get quotes from a licensed insurer or agent.
Sources (checked 15 October 2026): insureon.com
Worked examples
| Input | Result |
|---|---|
| General liability | 2 coverage(s) added up from the published medians: $236 a month, $2,841 a year |
| General liability, quote $115 per month | Your quote of $115 a month ($1,380 a year) is 25.8% above the published median of $91 a month. |
| Workers' compensation, revenue $120,000 | 2 coverage(s) added up from the published medians: $236 a month, $2,841 a year |
| General liability, revenue $150,000 | 2 coverage(s) added up from the published medians: $236 a month, $2,841 a year |
Calculated by the tool above; open it with the same values to see each step.
Frequently asked questions
Is daycare insurance cost the same for every daycare?
No. The published figures are medians for Insureon’s human and social services customers, not prices for a specific daycare. Factors such as the number of children, services, location and claims history can change a quote.
Does this tool give me a quote?
No. The tool shows published figures and compares them with a quote you enter. It gives estimates only. Ask a licensed insurer or agent for a quote.
Are these figures averages or medians?
They are published medians from Insureon, updated 10 June 2025. Insureon’s page says its figures are sourced from the median cost of policies but calls them averages in each section, so sources differ in wording. This tool reports them as published medians.
Is there a separate figure for home daycare insurance cost?
No. The source gives no separate figure for home daycare. The figures on this page come from the human and social services category, which includes daycare centers.
Why is my quote different from the published figure?
A published figure is a median across many customers. Your quote depends on your own factors, such as your services, number of children, location, revenue and claims history. A difference does not mean the quote is wrong.
Is the information I type uploaded anywhere?
No. Everything runs in your browser, and nothing you enter is uploaded. The tool does not ask for contact details.
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