Insurance for Child Care Providers

Parents trust you with everything. Your coverage should be ready for that.

For licensed child-care centers, registered and licensed child-care homes, and after-school programs in Texas.

What's different

What Child Care Providers Should Know

Parents hand you the most important thing they have. We take the job of protecting your program just as seriously.

Caring for children is one of the most claim-sensitive businesses there is. An ordinary home or business policy leaves out most of what can go wrong.

Texas asks about your liability insurance

Texas requires licensed child-care centers to carry liability insurance, or to tell parents in writing that they do not. Home-based providers face similar rules. Parents will ask to see it.

Home policies exclude home daycare

If you care for children in your house for pay, your homeowners policy almost always excludes it. One injured child can become an uninsured claim.

Coverages to ask about

General LiabilityInjury or property damage your work causes to a customer or the public.
Professional LiabilityClaims that your advice, service or work product caused a client a financial loss. Also called E&O.
Business Owner's PolicyGeneral liability and business property in one policy for a small office, shop or practice.
Workers' CompensationCovers employees hurt on the job. Texas does not force private employers to carry it, but many contracts do.
Hired & Non-Owned AutoLiability when employees drive their own cars, or rentals, on company business.
Commercial AutoVehicles titled to the business or used mainly for work. A personal policy can deny a claim for business use.

Request a Quote

Tell Us About You

This form asks the questions that matter for Child Care Providers, and two minutes is enough to start. You are not a number here. A licensed Texas agent in Corpus Christi reads every request personally and tells you plainly what is available for your situation.

☏ (361) 336-0409 ✉ L.Emily@allfleurone.com ✦ 921 N Chaparral St, Suite 212, Corpus Christi, TX 78401

Quote Request for Child Care Providers

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It's OK to text me about this quote. Msg & data rates may apply. Reply STOP to opt out. Consent is not required to get a quote.

No spam. We never sell your information. A licensed Texas agent reviews every request. Sending this form does not start or change any coverage.

Our promise

What You Can Expect From Us

A neighbor, not a call centerWe are locally owned, with an office on Chaparral Street in downtown Corpus Christi. A licensed Texas agent reads your request personally.
Questions about your workWe ask what your days look like before we talk about policies, because coverage should fit the life you actually have.
Plain answers, no pressureWe explain your options in everyday language, and we tell you honestly when something is not the right fit or when we cannot help.

Before you call

What Speeds Up Your Quote

Have readyYour Texas child-care license or permit type
Have readyNumber of children and staff
Have readyWhether you transport children

Questions

Child Care Providers: Insurance FAQ

Does general liability cover abuse or molestation claims?

Not unless the policy adds it. It is a specific coverage with its own limit, and it is the first thing we check on a child-care quote.

We drive kids to school in a van. Is that covered?

Only by a commercial auto policy on the van, or hired and non-owned auto coverage if staff use their own cars. A personal policy will not respond.

How do I get a quote?

Fill in the form on this page or call (361) 336-0409. A licensed Texas agent reviews every request and tells you plainly what is available for your situation. Nothing is covered until an insurance company issues a policy.

General information for Texas residents, not legal, tax or financial advice. Not every coverage is available for every person or business. Coverage is subject to policy terms, conditions and underwriting approval.

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