Child Care Insurance

Child Care Insurance Program from Gateway Specialty Insurance

Gateway Specialty Insurance offers a comprehensive Child Care Insurance program tailored for licensed in-home providers and commercial child care facilities. Whether your client operates a small daycare from home or runs a larger center, our program provides access to “A” rated carriers and coverage options designed specifically for the unique risks of the child care industry.

Ideal Accounts and Appetite

This program is designed for a wide range of child care providers, including:

• In-home daycares with proper state licensing
• Commercially zoned child care facilities
• Preschools and early learning centers

We can accommodate both for-profit and nonprofit operations. Ideal accounts include facilities that maintain appropriate staff-to-child ratios, follow licensing regulations, and have strong risk management practices in place. We do not typically write unlicensed or drop-in only care providers.

Example: You might have a client operating a licensed in-home daycare for 10 children. Or perhaps a growing preschool center looking to expand coverage to include professional liability and abuse/molestation protection. This program can address both scenarios.

Coverage Highlights and Advantages

Our Child Care Insurance program offers both package and monoline options. Coverage features include:

• General Liability – Protects against common third-party claims
• Professional Liability – Covers errors and omissions in the course of care
• Abuse and Molestation – Critical coverage for child care operators
• Property Coverage (Special Form) – Covers owned buildings, contents, and equipment
• Hired & Non-Owned Auto Liability – For centers that use employee vehicles for business
• Defense Cost Reimbursement – Helps cover legal expenses
• Umbrella Coverage – Additional limits for enhanced protection

Coverage is placed through USLI and other highly rated carriers, offering peace of mind to you and your clients.

Underwriting Notes and Minimum Premiums

Minimum premium starts at $500, making this program accessible for small and mid-sized operations. There is no contract or premium commitment required. Submissions can be made using standard ACORD applications or carrier-specific forms. Fast turnaround and responsive underwriters help you close business efficiently.

Territories and Availability

This program is available in most states, including but not limited to: CA, TX, FL, NY, IL, PA, OH, and WA. Whether your client is located in a rural community or a major metro area, Gateway Specialty can likely help. Admitted markets are used in many states.

Why Work With Gateway Specialty Insurance?

As a wholesale broker with expertise in allied healthcare, nonprofit, and specialty sectors, Gateway Specialty Insurance provides tailored solutions backed by experienced account managers. We understand the nuances of the child care industry and help agents like you navigate coverage needs and underwriting requirements with ease. 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].

We also specialize in underwriting allied healthcare, nonprofit, and technology accounts.

Frequently Asked Questions

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