Daycare & Childcare Insurance in New Jersey
Coverage for safety, liability, and daily care operations
Daycare and childcare centers are responsible for the safety, supervision, and well-being of children every day. From structured activities to outdoor play and transportation, these environments require careful risk management. Keller Insurance Services helps New Jersey childcare providers secure coverage designed to protect children, staff, and business operations.
Insurance Options for New Jersey Daycare & Childcare Centers
Whether you operate an in-home daycare or a licensed childcare center, insurance should reflect your facility, enrollment size, and services provided.
General Liability Insurance
Covers third-party injuries and accidents, such as a child injured during play or a parent injured on the premises.
Abuse & Molestation Coverage
An important component for childcare providers, helping protect against allegations involving inappropriate conduct. Often required for licensing or contracts.
Workers’ Compensation Insurance
Required for businesses with employees. Covers staff injuries related to lifting, supervision, slips, or daily activities.
Commercial Property Insurance
Covers your facility, furniture, learning materials, and equipment. Business income coverage can help replace lost revenue if operations are disrupted.
Professional Liability
Provides protection for claims related to supervision, care decisions, or operational practices.
Commercial Auto Insurance
For centers that provide transportation services, this coverage protects vehicles used to transport children and staff.
Umbrella Liability
Adds an extra layer of protection above standard liability limits, which is often important in childcare settings.
Why Daycare Providers Choose Keller Insurance Services
Keller Insurance Services understands the responsibility and regulatory requirements childcare providers face. We help owners build coverage that aligns with licensing standards, daily operations, and parent expectations—so you can focus on providing a safe and supportive environment.
FAQs
Is insurance required to operate a daycare in New Jersey?
Requirements vary, but liability coverage is typically necessary and often required for licensing and contracts.
Does insurance cover injuries to children?
General liability coverage may apply to certain incidents, depending on the circumstances and policy terms.
Can coverage grow with my center?
Yes. As enrollment increases or services expand, coverage can be adjusted to reflect your operations.
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