Professional Services · Minnesota
Minnesota Daycare & Child Care Insurance
Minnesota daycare and childcare businesses face significant liability exposure — from child injury claims to abuse allegations — that requires specialized coverage beyond a standard commercial GL policy. As a MN-licensed independent broker, I find childcare insurance for MN providers that covers child injury liability, abuse and molestation coverage, and the commercial property needs of licensed childcare facilities.
What daycare and child care insurance covers
Daycare and child care businesses in Minnesota face significant liability exposure — from child injury claims to abuse allegations — that requires specialized coverage well beyond a standard commercial GL policy.
Child Care Liability (GL)
Covers bodily injury claims from children in your care — injuries during play, on equipment, or in activities supervised by your staff. The foundation of any child care insurance program.
Abuse & Molestation Coverage
Provides defense coverage against abuse and molestation allegations — a coverage that most standard GL policies exclude but that is essential for any child care facility in Minnesota.
Commercial Property
Covers your facility, playground equipment, educational materials, furniture, and supplies against fire, theft, and covered damage.
Workers' Compensation
Covers child care staff injured on the job. Required by Minnesota law for any employer with employees — child care workers face injury risks from child handling, playground supervision, and other physical tasks.
Professional Liability
Covers claims arising from child care decisions — allegations of improper supervision, educational program failures, or care decisions that led to a child being harmed.
Business Interruption
Covers lost tuition revenue and ongoing facility expenses if a covered loss forces your child care business to close temporarily.
Why Dayton Insurance
An independent agent who works for you
Unlike captive agents who represent one company, I shop multiple carriers to find the right coverage at the right price for your Minnesota business.
Truly independent
I represent multiple top-rated carriers — not just one company. That means you get options, not a single take-it-or-leave-it quote.
Claims advocacy
When you file a claim, you have someone in your corner. I'll walk you through the process and follow up with the carrier so you don't have to fight it alone.
One agent, start to finish
From the first quote to renewal, you work with Nate directly. No call centers, no handoffs, no surprises at renewal.
Get your quote
Ready to get covered in Minnesota?
As an independent broker, I shop multiple carriers to find the right fit for your Minnesota business. Most commercial quotes come back within 2–3 business days.
Request a Free Quote
No forms, no fees — just a straightforward conversation about your coverage needs.
Common Questions
Frequently asked questions
Is abuse and molestation coverage required for child care licensing in Minnesota?
Many Minnesota child care licensing authorities require proof of abuse and molestation coverage as a condition of licensure. Even where not required, it's an essential coverage for any business that cares for children.
Does my GL cover injuries during field trips away from my facility?
GL covers your operations whether on-site or off-premises. Field trips are covered if they're a normal part of your described operations. Make sure your policy accurately reflects your programming activities.
How much does child care insurance cost in Minnesota?
Child care insurance in Minnesota typically runs $3,000–$10,000 annually depending on your facility size, number of children enrolled, ages served, and whether you have outdoor play equipment. I compare multiple carriers specializing in child care facilities.
Am I covered as a home-based daycare in Minnesota?
Home-based daycare creates specific coverage needs — your homeowners policy excludes business activities. A specialized home daycare or family child care policy covers your business activities separately from your personal homeowners insurance.