Businesses that provide care and early learning for infants and children (U.S. Census NAICS 624410), from a licensed home daycare to a multi-classroom center.
U.S. Census NAICS 624410: Child Care Services
What can go wrong for child care and daycare businesses?
- A child injured in your care.
- An abuse or molestation allegation, which is the claim child care operators most need to plan for.
- A staff member hurt on the job.
- Property damage or a fire that closes the center.
What insurance does a child care or daycare business need?
Child care businesses typically carry general liability, professional liability, and abuse and molestation coverage specifically, plus workers compensation once staffed and commercial property. Abuse and molestation coverage is often a separate add-on and is the single most important line for this business type, so it is worth confirming it is actually included and not excluded.
What does Georgia require?
Georgia requires workers compensation at three or more employees (Georgia State Board of Workers Compensation, O.C.G.A. Sec. 34-9-2(a)(2)). Georgia child care licensing also carries its own insurance requirements.
Source: Georgia State Board of Workers Compensation (O.C.G.A. Sec. 34-9-2(a)(2)).
Explore more Georgia insurance facts and statistics, each cited to a government or research source →
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