Child Care Insurance | Workers' Compensation


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Workers' Comp Coverage for Child Care Businesses

We've been helping business owners find easy and affordable coverage for over 15 years. Our experts understand the underwriting requirements from the insurance companies and we know how to negotiate the lowest rates on coverage. That's why we've developed daycare programs designed to help you get the best rates and most flexible payment options.

We partner with the best carriers writing coverage for daycare centers.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Day Care Insurance Companies

Markel FirstComp is a national insurance company licensed in all states.

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers' comp coverage in most states throughout the United States.

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for daycare centers.

Accident Fund

The Hartford Insurance specializes in workers' compensation across the United States.

The Hartford

The Hartford is a national insurance carrier with exceptional rates on in home daycare and pre-schools.

The Hartford

Travelers Workers Compensation Insurance.

Travelers

Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for daycare liability insurance.

Travelers Insurance

Employers Insurance Company- Small business workers compensation insurance.

Employers Insurance

Employers offers excellent rates as well as loss control resources for all child care workers' comp classification codes.

Employers Insurance

Chubb Insurance Company is a mono-line workers comp carrier doing business in most states.

Chubb

Chubb quotes all lines of business and has terrific rates for pre-schools, learning centers and child care.

Chubb Insurance

State Auto is a fast growing insurance company with a very broad underwriting appetite.

State Auto

State Auto has excellent insurance package pricing on commercial and residential child care services.

State Auto Insurance

Great American offer workers compensation and general liability in virtually all states with an excellent reputation.

Great American

Great American Insurance is an exceptional carrier offering affordable prices and a broad appetite for most types of daycare businesses.

Great American Insurance Group

AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.

AmTrust

AmTrust Financial provides exceptional value for many business types within the child care classes of business.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
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Workers' Compensation Codes Related to Child Care

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.

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Class Code 8869 | Child Care Insurance

Daycare businesses are primarily engaged in providing care for pre-school and school aged children. Services may be provided in a commercial building or a caregivers' home. A child care provider assumes the care, custody and control of a child for a set amount of time. Children may either be dropped at the facility or transported by the daycare provider. Meals, naps and recreational activities are common with child care. Some providers such as Montessori schools also provide various educational instruction.

In the event a child care center utilizes its own vehicles and drivers, drivers should be separately rated under class code 7380- Drivers and Chauffeurs.

Child day camps also fall under class code 8869 as long as operations do not include overnight accommodations. Overnight recreational camps, such as children adventure camps and vacation camps, generally fall under class code 9015- Camp Operations.

Adult daycare and senior care services should be separately rated under class codes 8868 and 9101-School Employees.

Alternative State Class Codes for Day Care Facilities:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Class Code State
9059 | Day Care Services California
891 | Child Day Care Delaware / Pennsylvania
8868 | Child Care Center Michigan / New Jersey / New York

Related: day care, child care center, pre-school, day nursery, in-home day care, learning center, home child care.

Workers Compensation Shop.com is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation Shop.com is a national Agency, licensed throughout the United States.

Get the Best Child Care Insurance Coverage

A lot of small day care businesses are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't change as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher EMR Ratings. We've been writing child care insurance since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National Child Care Insurance Expertise
More Markets for More Solutions   We shop renewals too
Commercial Package Insurance Options

Lower Your Day Care Insurance Costs

The cost of business insurance has been increasing for small businesses. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance solutions for our customers. Ask about our package insurance options for day care facilities:

  Workers' Compensation and Employers Liability

  Day Care Liability Insurance

  Commercial and Personal Property

  Day Care Liability Insurance

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.


Get Started Now

Start a quote online or give one of our specialists a call at 888-611-7467.

How Much Does Day Care Insurance Cost?

The average rate our customers pay for workers' compensation under the child care class code is around $1.25 cents per $100 of payroll. The average annual cost for a general liability insurance policy is about $475.00 for home daycare insurance and $650.00 for a commercial daycare.

Workers' Comp Costs

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of facility may modify rates
  • Premium discounts and policy credits may apply

General Liability Costs

  • GL rates for are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of daycare matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC code- 8351; ISO 41715
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How do I get started?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

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Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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