Child Care Insurance

Child Care Insurance Program from Gateway Specialty Insurance

Gateway Specialty Insurance offers a focused Child Care Insurance program for licensed in-home providers, preschools, early learning centers, and commercial child care facilities. The program provides agents with access to "A" rated carriers and coverages tailored to the unique exposures of the child care industry, from small family daycares to larger centers.

Ideal Accounts and Appetite

This program is built for a range of child care operations, including:

• State-licensed in-home daycares
• Commercially zoned child care centers and preschools
• Early learning programs and nonprofit child care providers

We typically handle both for-profit and nonprofit operations that follow licensing rules, maintain appropriate staff-to-child ratios, and demonstrate solid risk management. We generally do not write unlicensed providers or drop-in only care models.

Example accounts: a licensed in-home daycare caring for up to 10 children; or a growing preschool center that needs general liability, professional liability, and abuse & molestation protection as it expands.

Coverage Highlights and Advantages

Gateway places coverage through USLI and other highly rated carriers. Available package and monoline options include:

• General Liability – third-party bodily injury and property damage protection
• Professional Liability – coverage for alleged errors or negligent acts in the delivery of child care services
• Abuse & Molestation – specialized limits and wording critical for child care operators
• Property (Special Form) – protection for owned buildings, contents, and equipment
• Hired & Non-Owned Auto Liability – for business use of employee vehicles
• Defense Cost Reimbursement – assistance with legal defense expenses
• Umbrella – excess limits for broader financial protection

Underwriting Notes and Minimum Premiums

Minimum premium starts at $500, keeping the program accessible to small and mid-sized operations. There is no contract or premium commitment required. Submissions may be made with standard ACORD forms or carrier-specific applications. Our underwriting team provides responsive service and quick turnaround to help you place business efficiently.

Territories and Availability

The program is available in most states, including but not limited to CA, TX, FL, NY, IL, PA, OH, and WA. Gateway uses admitted markets in many states and can often accommodate clients in both rural and metropolitan areas. Contact underwriting to confirm availability for a specific state.

Why Work With Gateway Specialty Insurance?

As a wholesale broker with specialty expertise in allied healthcare, nonprofit, and other niche sectors, Gateway Specialty Insurance offers targeted solutions for child care accounts. You get experienced account managers, industry-specific underwriting, and access to quality carriers. Agency bill and direct bill options are available depending on the market.

To request a quote, email submissions or ACORDs to [email protected] or contact Anthony Vellutato at 877-977-4474 ext 7044 or [email protected].

Gateway also underwrites allied healthcare, nonprofit, and technology accounts and can often bundle expertise across those specialties when appropriate.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.