Daycare Insurance
Custom Coverage for Childcare Centers, Home Daycares, and Commercial Providers in Washington.
Protecting the Little Wolves in Your Care
Running a daycare is more than a job — it’s a responsibility. You’re trusted with other people’s children every day, and that trust deserves serious protection. Whether you run a home daycare or a commercial facility, the right insurance helps keep your business (and your reputation) intact when the unexpected happens.
Just like a pack watches over its young, we’re here to help you protect yours.
What Risks Do Daycares Face?
Even with the best training, policies, and staff — things can go wrong. A few real-world examples we’ve seen:
-
A child trips and breaks an arm during outdoor play
-
A parent alleges neglect after a diaper rash gets worse
-
An employee is accused of inappropriate behavior
-
A fire damages part of the building
-
Your daycare van is rear-ended on the way to a field trip
If your coverage isn’t built for this world, you’re exposed. That’s where we come in.
Coverages That Matter
✅ General Liability
Covers injuries to children, parents, or visitors, and damage to their property.
✅ Professional Liability (E&O)
For claims of negligence, improper supervision, or accidental injury.
✅ Abuse & Molestation Coverage
Essential in today’s environment — some carriers exclude this by default. We make sure it’s handled.
✅ Property Insurance
Protects your daycare space, toys, equipment, kitchen, and more.
✅ Business Interruption
Covers income loss if you have to shut down temporarily due to a covered event.
✅ Workers’ Compensation
Required in most cases — protects your staff if they’re hurt on the job.
✅ Commercial Auto (if applicable)
Covers vans or shuttles used to transport kids.
Why Daycare Owners Choose Hood Insurance
We’re not a giant call center. We’re a local agency that understands both business risk and the unique exposures you face as a daycare.
-
Local expertise in Washington daycare licensing + insurance requirements
-
Fast certificate turnaround for DSHS and landlords
-
Experience with home-based and center-based care
-
Guidance you can trust. No upsell, no fluff, no pressure.
We’re part of your pack — and that means we’re here when it counts.
Straightforward Coverage. Support That Sticks.
We know the insurance needs of a daycare aren’t one-size-fits-all. Let’s talk through the risks and put together a policy that fits your operation — and your budget.
📞 Call us today at (425) 689‑5855
📩 Or request a quote online →
