Coverage provided through non-admitted insurers. Products are not covered by state guaranty funds.
Comprehensive coverage for daycare centers, preschools, and childcare facilities in Minnesota. Because the children in your care deserve the best protection.
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+1 (626) 778-2586The reality in Minnesota
A child gets hurt on the playground. A parent claims negligence. Even if you did everything right, you're facing legal fees and settlements. Most carriers don't want that risk on their books.
Abuse & molestation coverage. Professional liability for care decisions. Transport coverage if you run a bus. These aren't add-ons—they're essential. And most policies don't include them.
Most states require specific coverage types and limits to keep your childcare license. Get it wrong, and you're not just uninsured—you're shut down.
"We specialize in daycare & childcare insurance because we understand your industry. Let us protect what you've built."
Comprehensive protection tailored to your industry's unique risks.
Covers injuries to children and visitors at your facility
Protects against allegations of negligence or improper care
Essential coverage for allegations against staff members
Coverage for injuries to caregivers and staff
Protects your building, playground equipment, and supplies
For vans and buses used to transport children
Common questions
These are general considerations, not a description of a specific policy. Coverage depends on the issued forms, endorsements, limits, exclusions, and applicable law.
Daycare insurance is a commercial insurance program built around the risks of a daycare business. It may combine several policies or endorsements rather than relying on one standardized product.
Common options include General Liability, Commercial Auto, Workers Comp, Property. The appropriate combination depends on the company’s actual operations, employees, property, vehicles, contracts, and the exclusions in each policy.
Cost depends on factors such as revenue, payroll, location, services, property values, vehicles, limits, deductibles, and claims history. An insurer must review the individual business before providing a reliable premium.
The application should accurately describe child supervision, abuse or molestation allegations, professional services, transportation, playgrounds, property, and employee injuries. Undisclosed or incorrectly described operations can affect eligibility, pricing, and how a policy responds to a claim.
No. State or territory licensing establishes operating requirements, while insurance needs also depend on enrollment, staffing, transportation, property, contracts, and services. Licensing compliance does not guarantee that every allegation or loss is covered by an insurance policy.
A broker commonly needs the legal business name, address, services, annual revenue, payroll, employee count, property or equipment values, vehicle and driver details, prior losses, current policies, desired limits, and requested effective date.
No. Coverage depends on the issued policy’s terms, limits, deductibles, exclusions, conditions, and the facts of the loss. Panta can help compare and explain available options, but the insurer issues the policy and determines claim coverage.
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