Daycare Insurance in Massachusetts

When you're looking for Daycare Insurance in Massachusetts or New Hampshire, it's important to have options so you can ensure you get the right plan to meet your needs at the best possible rate.

Find the coverage you need

Running a daycare or child care center in Massachusetts is both rewarding and demanding. Whether you operate out of your home or a dedicated facility, ensuring the safety and well-being of the children in your care is your top priority. At Fitts Insurance, we help daycare providers across Massachusetts find insurance options that fit their needs, so you can focus on what matters most.

Daycare Insurance Massachusetts

What Is Daycare Insurance?

Daycare insurance is a type of business insurance designed to address the unique risks faced by child care providers. From everyday accidents to unexpected property damage, this coverage can help you prepare for the “what-ifs” that come with caring for young children.

Coverage may include general liability, professional liability, commercial property insurance, and more—depending on your business structure and specific risk factors.

Who Needs Child Care Insurance in Massachusetts?

If you care for children in exchange for payment in Massachusetts, you may want to consider child care insurance. This includes:

  • Licensed daycare centers
  • In-home child care providers
  • Preschool and nursery school programs
  • After-school and enrichment programs
  • Drop-in or occasional care facilities

Whether you care for a few children in your home or manage a larger facility, having insurance can help you navigate risks with more confidence.

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  • Why Should Massachusetts Providers Consider Daycare Insurance?

    Massachusetts has specific licensing and safety requirements for daycare and child care operations. Insurance may not only be required in some cases, but it can also help you:

    • Protect against claims of accidental injury or property damage
    • Provide peace of mind to parents and guardians
    • Comply with state or local licensing requirements
    • Cover property such as toys, furniture, and educational equipment
    • Support your staff with optional workers’ compensation or employment-related protections

     

    Every daycare is different, which is why we help Massachusetts providers explore insurance solutions tailored to their specific setup.

  • What Coverage Options Are Available for Child Care Providers?

    Depending on your needs, child care insurance may include a range of coverage types. Here are some common options we help providers explore:

    • General Liability Insurance: May help with claims involving bodily injury or property damage that occur on your premises.
    • Professional Liability Insurance: May offer protection if someone claims your care or supervision was negligent.
    • Commercial Property Insurance: For damage or loss related to your physical space and contents.
    • Business Personal Property: Covers items like toys, furniture, play equipment, and learning materials.
    • Abuse and Molestation Liability: Some providers explore this additional layer of protection, depending on insurer availability and application.
    • Workers’ Compensation Insurance: If you have employees in Massachusetts, you may be required to carry this under state law.

     

    Not all policies are the same, and availability can vary based on location, business type, and insurer.

  • How Does Location Affect Insurance for Daycare Providers?

    Massachusetts has its own licensing rules, zoning laws, and safety regulations that may influence the type of insurance your daycare needs. Operating in Boston, Worcester, Springfield, or a smaller town may present different risk profiles. At Fitts Insurance, we understand the local landscape and work with providers across the state—from urban centers to suburban neighborhoods.

    We help child care providers consider things like fire code compliance, number of children cared for, building type, and local risk factors when reviewing their insurance options.

  • Can Home-Based Daycares Get Coverage?

    Yes, many Massachusetts-based home child care providers are eligible for insurance. While some home insurance policies may exclude child care-related incidents, a specialized policy can help fill those gaps. Coverage may address business liability, accidents involving children, and damage to equipment used for your daycare.

    At Fitts Insurance, we work with home-based providers to review their setup, licensing, and coverage goals to help identify the insurance that works best for their situation.

  • How Much Does Daycare Insurance Cost in Massachusetts?

    Costs can vary depending on several factors, such as:

    • Number of children in your care
    • Whether you operate from home or a commercial facility
    • Your location within Massachusetts
    • Coverage limits and types selected
    • Your history of claims or licensing

     

    Some providers may pay a few hundred dollars per year for basic coverage, while others may invest more in comprehensive policies. We’re here to help you review different options and find the balance that fits your budget and your risk profile.

  • What Should I Look for in a Child Care Insurance Policy?

    When reviewing insurance options, many daycare providers in Massachusetts consider:

    • Liability coverage limits
    • Whether abuse/molestation coverage is included or available
    • Coverage for outdoor play areas, transportation, or field trips
    • Add-ons for equipment breakdown or business interruption
    • Insurer reputation and claim service
    • Flexibility as your daycare grows or changes

     

    At Fitts Insurance, we’ll walk you through the options step by step so you understand what each policy offers—without pressure or confusion.

  • Why Work With Fitts Insurance?

    As a Massachusetts-based insurance agency, we understand the local regulations, challenges, and expectations of operating a child care business in the state. Since 1932, our team has helped businesses and families protect what matters most. When it comes to daycare insurance, we offer:

    • Personalized guidance from experienced local agents
    • Access to multiple insurance carriers
    • Support with applications and documentation
    • Ongoing service as your business evolves

     

    Whether you’re just starting out or have been caring for children for years, we’re here to help you make informed insurance choices.

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Ready to Explore Child Care Insurance in Massachusetts?

Let’s talk. At Fitts Insurance, we make it simple to review daycare insurance options that suit your needs. Our team is happy to answer questions, provide quotes, and walk you through the process at your pace. We’re proud to serve communities across Massachusetts with the care and attention you deserve.

Contact us today to request a quote and get started on your Daycare Insurance policy.

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