What is Day Care Centers and Nurseries Workers Compensation (class code: 9059)?
Workers compensation for day care centers and nurseries (class code 9059) is a type of employer-mandated coverage that helps pay medical costs and wage replacement if an employee is injured or becomes ill because of work. It covers employees who provide direct child care, administrative staff, and some on-site contractors while they perform job duties. This coverage is part of a broader risk-management program that may sit alongside commercial liability, property coverage, and commercial auto exposure for programs that transport children.
Who needs it
Any business or organization that employs staff to supervise or care for children typically needs this coverage: licensed day care centers, preschools, nurseries, in-home child care providers, and seasonal programs such as camps. Organizations that operate on a larger site or in leased space should also consider facility-related exposures and building-related underwriting factors; see related guidance for Buildings NOC Workers' Compensation (Class Code 9015). Seasonal programs and summer camps may have similar exposures—see Camp Operations Workers' Compensation - Class Code 9048—and residential child-care or extended-stay programs can resemble other caregiving operations like Residential Care Workers Compensation (Class Code 9070).
What it typically covers
Typical coverages under workers compensation include:
- Medical treatment for work-related injuries or illnesses
- Portions of lost wages while an employee recovers
- Rehabilitation services and case management
- Death benefits in the rare event of a work-related fatality
These benefits respond to on-site incidents (playground falls, lifting injuries), transportation incidents involving employee drivers, and occupational illnesses. Employers often combine this with general liability and participant accident coverage for broader protection.
Common exclusions or limitations
Standard exclusions may include intentional self-harm, injuries sustained while committing a criminal act, or claims from independent contractors who are not covered under the employer’s policy. Some policies limit coverage for certain high-risk activities or for employees performing duties outside their normal scope. Equipment coverage for playground or classroom tools is usually handled under property or equipment policies rather than workers compensation.
Factors that influence cost
Underwriters consider several factors when rating class code 9059:
- Payroll size and number of employees
- Staff-to-child ratios and employee training programs
- Claims history and safety records
- Type of operations (infant care, transportation, special needs programs)
- Workplace controls such as background checks, CPR/first-aid training, and maintenance of play equipment
Risk management measures, like formal safety programs and regular equipment inspections, often reduce premiums.
Proof of insurance & compliance
Many states require employers to carry workers compensation and to post notices for employees. Proof of insurance or certificates may be requested by licensing agencies, landlords, or parent organizations. Keep records of training, incident reports, and safety checks to support compliance and underwriting reviews.
How to get a quote
To compare coverage options and get a tailored estimate, review your staffing, payroll, and operations with an insurance professional. If you want help initiating coverage, you can talk to your agent about class code 9059 and related policies.
Risk scenario: a child’s fall on playground equipment can lead to a staff member assisting and sustaining a back injury, triggering medical and wage-loss benefits under workers compensation.
Frequently Asked Questions
Who is classified under class code 9059?
Employees who work in day care centers, nurseries, preschools, and similar child-care settings—both full- and part-time staff—are commonly classified under 9059, though some duties (transportation, janitorial) may use different codes.
Does workers compensation cover volunteers or independent contractors?
Coverage for volunteers and independent contractors varies. Volunteers are often not covered by standard workers compensation; independent contractors may be excluded unless they meet specific criteria. Check policy language and state rules.
Can I combine workers compensation with other policies?
Yes. Many centers pair workers compensation with general liability, property insurance, and commercial auto or equipment coverage to address broader exposures.
Still have questions? Talk to a local insurance expert.