Childcare Centre Insurance

Protecting Children Starts with Protecting Your Childcare Centre

Western Financial Group is an award-winning brokerage. We work with Canada’s leading insurance partners to get you the right coverage and value. We know how important it is to protect what you’re building.

What is Insurance for Childcare Centres?

Childcare Centre Insurance typically includes general liability, professional liability, property coverage, and accident insurance to safeguard against incidents such as injuries, property damage, or allegations of negligence.

Our insurance expertise will benefit your Childcare Program

We make the process easy by getting insurance quotes for you and giving you policy coverage options that you can choose for your Childcare Centre's specific needs.

If you operate a childcare centre, having enough liability insurance is needed to protect the children in your care and your daycare business. Childcare centre insurance typically covers things like accidents, injuries, property damage, and legal claims.

If you run a childcare business from your home, having home daycare insurance is really important. It helps protect you in case a child gets hurt, property gets damaged, or someone claims you were negligent. Regular homeowners insurance usually doesn’t cover business-related issues, so this special coverage makes sure you're not left paying out of pocket if something goes wrong.

Who needs Childcare Centre Insurance?

Childcare Centres
Daycares
Preschools
Infant Daycares
Day Homes

Home-based Childcare Providers
Montessori Daycares
Before and After School Care (OOSC Programs)
Early Childhood Care or Nursery Programs
Private Schools

Did you know Western Financial Group offers a dedicated insurance program specifically for daycares in British Columbia, Alberta, Saskatchewan, and Manitoba?

Learn more about the program

What kind of risks does commercial general liability cover?

Injury to another person who is not your employee, for example if a child gets injured while playing
Damage to someone’s property
Damage to rented property
Medical bills if someone is injured
Legal and settlement costs of liability lawsuits filed against you
Liability lawsuits related to slander and libel

What other insurance coverages can I get for my Childcare Centre?

Commercial Property Insurance, Covers damages to the physical daycare location, including the building and its contents (furniture, toys, equipment, etc.) in case of events like fire, or earthquake.
Abuse and Molestation Coverage
Directors & Officers Liability
Cyber Liability
Professional Liability Insurance
Commercial Auto Insurance, If the daycare provides transportation for children

How much does childcare insurance cost?

Costs vary based on factors like:

size of your facility
number of children
services offered
location
any previous claims

What documents are needed to get insured?

Typically, your license or certification, a description of your services, number of children cared for, staff details, and safety procedures

Is daycare insurance required in Canada?

Yes, most provinces and territories require licensed daycare operators to carry liability insurance. Even unlicensed home daycare providers are strongly encouraged to have insurance.

Can I use my homeowner’s insurance for home daycare?

No, standard homeowner’s policies in Canada typically exclude business activities.

Does insurance cover outdoor activities or field trips?

Only if explicitly included in your policy.

Why choose Western?

When you get your insurance coverage through us, we will send you the certificate of insurance right away, so you can focus on what you do best. It’s easy, fast, and customized. Get an online quote, text, email, or phone call. Choose what works for you.

Get a Quote TODAY!