Choice Insurance Agency
Daycare Insurance in Massachusetts
Offering customized insurance solutions in Massachusetts and beyond.
Running a daycare in Massachusetts is both rewarding and demanding. Whether you’re caring for infants, toddlers, or school-age children, you face a unique set of risks every day. At Choice Insurance, we help child care providers find insurance options tailored to their business needs—so they can focus on what they do best: providing safe, nurturing care.
What Is Daycare Insurance?
Daycare insurance typically refers to a combination of insurance policies designed to help protect child care providers from the various risks associated with operating a daycare or child care business. These risks might include property damage, injuries, or potential claims made by parents or guardians. Coverage needs can vary based on the size of your operation, number of children, staff employed, and whether you operate in a home-based or commercial facility.
Quotes Available in Massachusetts & Other States
Words from our Clients
Gained a customer for life.
Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.
Great people, great insurance, great advice, great price.
Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.
I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.
I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.
Who Needs Child Care Insurance in Massachusetts?
If you operate a daycare or provide child care services in Massachusetts—whether as a licensed provider, after-school program, preschool, or even a home-based nanny—you may benefit from having some form of child care insurance. Massachusetts has specific licensing requirements and guidelines for daycares, and insurance may be an important part of staying compliant and managing risk.
Common examples of child care professionals who explore insurance options include:
- Home-based daycare providers
- Licensed daycare centers
- Montessori and preschools
- Drop-in child care services
- Church or community-based child care programs
What Types of Coverage Are Available for Daycares?
Several types of insurance may be considered to help address different aspects of running a daycare. These may include:
- General Liability Insurance – This may help with claims related to third-party bodily injury or property damage.
- Commercial Property Insurance – This can offer protection for your facility, furniture, toys, and learning materials from covered events such as fire or theft.
- Professional Liability – Sometimes referred to as errors & omissions, this may help in situations where your guidance or care is questioned.
- Abuse and Molestation Coverage – While difficult to discuss, some insurers may offer this endorsement to address specific claims.
- Workers’ Compensation Insurance – Required in Massachusetts if you have employees, this covers medical expenses and lost wages in case of a work-related injury.
Depending on your specific circumstances, other endorsements or specialized options may be appropriate. At Choice Insurance, we can walk you through available options based on your needs.
How Is Daycare Insurance Different in Massachusetts?
Massachusetts has state-specific licensing rules, safety guidelines, and inspection requirements that impact how daycare and child care businesses are run. While insurance isn’t always required for licensing, it may be strongly encouraged—or even required—by landlords, lenders, or parents.
In some cases, home-based providers may need additional endorsements if operating a daycare from a residential property, especially if a homeowners policy excludes business-related activities. Commercial providers may face additional building code and occupancy considerations.
Our team at Choice Insurance understands the local requirements and helps child care professionals explore plans that reflect their business structure and state-specific regulations.
What Factors Can Affect the Cost of Child Care Insurance in Massachusetts?
The cost of daycare or child care insurance in Massachusetts may vary based on a number of factors, such as:
- The size of your facility
- The number of children enrolled
- Staff-to-child ratios
- Types of services offered (e.g., transportation, meal prep)
- Whether you operate from home or a commercial space
- Your past claims history
We work with a variety of insurance carriers to explore pricing and options that match your operation and budget. Whether you’re a small home-based daycare or a larger center with multiple classrooms, we aim to find solutions that reflect your risk profile.
Is Homeowners Insurance Enough for a Home-Based Daycare?
In many cases, standard homeowners insurance policies do not cover business activities, including daycare operations. Some policies may specifically exclude liability claims that occur during business hours or involve children who aren’t part of your household.
Depending on the insurer, you may be able to add a business-use rider or endorsement—or you may need a separate daycare insurance policy altogether. The best way to find out what applies in your situation is to review your current coverage with an experienced agent.
Why Work With Choice Insurance?
At Choice Insurance, we take pride in helping local businesses in Massachusetts find coverage that fits. Whether you’re starting your first home daycare or managing a well-established child care center, we listen to your goals and concerns before recommending options.
Here’s what sets us apart:
- Local Expertise – We understand Massachusetts laws and licensing for child care businesses.
- Personalized Service – We take the time to learn about your unique business.
- Multiple Carriers – We work with a wide range of insurance companies to help you compare options.
- Responsive Support – When you have questions or changes, our team is ready to assist.
How Can You Get Started with Daycare Insurance in Massachusetts?
Getting started is simple. Whether you’re renewing a current policy or exploring coverage for the first time, we can help. Our process begins with a short consultation where we’ll gather information about your daycare, goals, and risk exposures. From there, we’ll explore insurance options that may be a good fit.
Contact our team at Choice Insurance to get started!
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