Child Care & Daycare
Insurance designed for the unique exposures of caring for children.
CHILD CARE & DAYCARE OVERVIEW
Coverage that meets NY OCFS requirements and protects against the claims that actually happen.
Child care providers and daycare operators in New York face a coverage profile most generalist brokers get wrong. Standard general liability typically excludes abuse and molestation claims — the single highest-severity exposure in this industry. OCFS licensing requirements, transportation endorsements for field trips, and playground liability each require a specialist's attention. We build programs that close those gaps.
Abuse & molestation coverage
Standalone or endorsement coverage for the highest-severity exposure in child care. Most standard general liability policies exclude or severely limit A&M claims — we place dedicated coverage that actually responds.
OCFS-compliant general liability
NY Office of Children and Family Services licensing requires specific minimum limits and coverage structures. We verify your program meets regulatory floor and addresses exposure above it.
Transportation & field trip coverage
Commercial auto and non-owned auto endorsements for program vehicles, field trip transportation, and parent pick-up arrangements.
Workers' compensation with classification accuracy
NY classification codes for child care workers differ materially from generic service worker codes. Getting the classification right at placement — and at audit — prevents premium surprises.
WHO WE SERVE
Who This Is For
Licensed Daycare Centers
Group child care centers operating under NY OCFS Part 418 licensing — where regulatory compliance, abuse prevention, and transportation coverage intersect.
Family Day Care Homes
Home-based providers under OCFS Part 416/417 — with premises liability that extends to your residence and program participants.
Camps & After-School Programs
Summer camps, enrichment programs, and school-age child care — where water, sports, and field trip exposures add layers of coverage complexity.
Religious & Cooperative Programs
Faith-based and cooperative child care programs that need coverage alongside their sponsoring organization's master policy.
COVERAGE OPTIONS
Key Coverage Types
The insurance products that matter most for child care & daycare — placed with carriers who understand your clinical environment.
General Liability
Foundational coverage for bodily injury and property damage claims — structured to interact correctly with a dedicated abuse & molestation policy.
Workers' Compensation
Cover medical costs and lost wages for provider injuries. Required by NY from the first employee. Classification accuracy materially affects premium.
Business Owner's Policy
Bundled property and liability coverage sized for single and multi-location child care operations — including program equipment and improvements.
Cyber Insurance
Parent payment data, staff records, and enrollment systems create cyber exposure subject to NY SHIELD Act notification requirements.
OUR PARTNERS
We work with trusted insurance carriers.
OUR REACH
Morningside + Child Care & Daycare
NY
OCFS-compliant placements
A&M
Dedicated abuse & molestation coverage
24hr
Certificate of insurance turnaround
Multi
Carrier options for specialty exposures
INDUSTRY RISK PROFILE
Understanding Your Risk Landscape
Child Care & Daycare face risks that general commercial programs don't address. Here's what we focus on.
ADVISORY SERVICES
Beyond Insurance
Morningside supports child care & daycare with advisory and management services that help your practice run better alongside your coverage program.
GET STARTED
Let's Design Coverage for Your Business
Every business is different. We start with yours.