Daycare & Childcare Insurance in Florida
Safeguard Your Little Ones, Staff & Business
At FLORIDA WE INSURE AGENCY, we know operating a daycare or childcare center in Florida means more than caring — it’s serious responsibility. Whether you run a small home-based daycare or a full‑scale childcare facility in Tampa, Jacksonville, Sarasota, or elsewhere across the state, you face unique risks: bodily injury, child safety, premises liability, licensing compliance, property damage, and more.
Tampa
Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.
Coverage Included in Daycare & Childcare I Insurance Policies
For most childcare operations in Florida, a comprehensive insurance package includes:
General Liability Insurance
Covers third‑party bodily injury or property damage, protecting you if a child or visitor is injured, or property is damaged on your premises.
Childcare / Daycare Professional Liability (Abuse / Neglect / Negligence Coverage)
Protects against claims involving professional oversight, mistakes, or negligence in providing childcare services.
Commercial Property / Contents Insurance
Covers your building (if owned), furnishings, supplies, toys, playground equipment, and other contents against fire, theft, vandalism, storm damage or other covered perils.
Workers’ Compensation Insurance
Covers staff injuries or job-related illness — especially important if you have employees (assistants, aides, part‑time staff).
Business Interruption / Income Protection
Helps cover lost income and ongoing expenses if your facility must close temporarily due to a covered event (storm, damage, etc.).
Umbrella / Excess Liability Insurance
Adds an extra layer of liability protection beyond standard policy limits — important when many children and adults are involved, and risk is higher.
Why Daycare & Childcare Insurance Matters
Running a daycare involves constant oversight, many moving parts, and a high duty of care. From slips, falls, playground accidents, or other injury risks — to property damage, licensing requirements, staff injuries, and unexpected emergencies — one incident can threaten your reputation, finances, or even legal standing.
With tailored insurance, you gain peace of mind knowing your daycare is covered against the most common and serious liabilities, protecting children, families, and your livelihood.
Why Choose FLORIDA WE INSURE AGENCY for Your Childcare Coverage
30+ Florida Carriers Compared
We shop multiple insurers to match coverage to your center’s size, service type, and risk exposure.
Coverage Designed for Childcare Risks
We understand the unique exposures: child safety, licensing standards, storm and weather risks in Florida, property risks, and more.
Annual Policy Review & Re‑Shopping
As your enrollment or staff changes, we adjust your coverage to stay appropriately protected and priced competitively.
Free Legal Support for Claims Disputes
If a claim is denied, delayed or disputed, our in‑house legal team will advocate for you at no cost
Local Florida Agents, Not Call Centers
You get local support from agents who know Florida’s regulations, childcare business challenges, and community needs.
Tampa
Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.
Daycare & Childcare Insurance FAQs
Is daycare insurance required for childcare centers in Florida?
Requirements vary by county and licensing type — but many centers are required to carry liability insurance, and workers’ compensation is often mandatory if you have employees. Even for small operations, carrying proper insurance is strongly recommended to protect against liability and compliance issues.
Does insurance cover accidents involving children?
Yes — with general liability and specialized daycare liability coverage, your policy can protect against claims related to bodily injury, negligence, or accidents that occur on-site.
Are supplies, toys, and furniture covered?
With property or contents coverage, your daycare’s contents — furniture, educational supplies, toys, and equipment — can be insured against theft, damage, or loss due to covered events.
Is coverage different for home‑based daycare vs commercial facility?
Coverage needs can vary depending on size, number of children, staff, and property ownership. We tailor policies to match your specific operation — whether a small home daycare or a full daycare center.
What if I expand or add services?
We’ll review and adjust your coverage accordingly — whether you add more kids, expand staff, or offer additional services, we make sure you remain properly protected.
Service areas
Areas We Serve — Daycare & Childcare Insurance Across Florida
We provide childcare insurance statewide, including:
Daycare Insurance in St. Augustine, FL
Daycare Insurance in Jacksonville, FL
Daycare Insurance in Tampa, FL
Daycare Insurance in Sarasota, FL
Daycare Insurance Across Florida
Protect Young Lives
Insure Your Daycare Today
Don’t leave your childcare business exposed to risk. Whether you run a small daycare or a large childcare center, let us build a customized insurance plan that protects the children, your staff, your building, and your future.
