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Insurance for In-home Childcare Facilities

Questions to ask when looking for child care insurance! Use this checklist to compare companies.

Insurance for In-home Childcare Facilities
As a Day Care Provider, you need special insurance for your day care business. Homeowner’s policies do not provide coverage. Some companies will add coverage, but it is limited and excludes child abuse coverage. For more information before you apply for insurance, see our What You Need to Know page.

DCI’s Childcare program for In-Home facilities covers the childcare provider and all residents of the household, employees and volunteers and includes:

  1. Professional Liability/Errors and Omissions (negligent supervision)
  2. Up to $100,000 Child Abuse
  3. Defense for administrative hearings related to allegations of Child Abuse
  4. Infants under six weeks
  5. Dispensing medication
  6. Food preparation
  7. All residents of household, employees and volunteers
  8. Personal injury (libel and slander)
  9. Field trips


  1. Auto transportation coverage for enrolled children
  2. Non-owned auto liability (people using their car for your business)

No deductibles

  1. $20,000 accident medical expense for each child
  2. Accident medical expense for field trips and transportation
  3. Primary (pay first)
  4. Includes own children on excess basis in the day care
  5. $5,000 accidental death
  6. Provider and employees can be added to accidental medical coverage

To order coverage:

  1. Download and print the application for your state HERE.
  2. Review the coverage outlined in the application, then choose a plan and optional coverages
  3. Calculate your total plan cost. Transfer these figures to the application (pages 3 and 4)
  4. Answer all questions and sign the application (pages 3 and 4)
  5. Read the Mandatory Government Notice (page 3)
  6. Keep pages 1, 2 & 5 for your records
  7. Mail or Fax pages 3 and 4 with a copy of your childcare license or registration and premium payment to:

Day Care Insurance Services

6345 Balboa Blvd Suite 251
Encino, CA 91316
FAX: (818) 501-7612