Insurance built to protect the little ones in your care.

Yes. Licensed child care centers in Arizona are required under the Department of Health Services child care facility rules (R9-5-308) to carry liability insurance and keep documentation available for review, and the state requires proof of coverage before a license is issued and whenever your policy changes, lapses, or is cancelled. Vehicles used to transport children must be insured as well. Minimum limits are set by rule and can change, so we verify your policy meets the current ADHS requirement before you file it.

A typical Arizona daycare insurance program combines general liability, abuse and molestation liability, property and contents coverage, workers’ compensation, professional liability, and often commercial auto and umbrella coverage. As an independent agency, we build the mix around how your specific center operates — ages served, enrollment, transportation, and whether you own or lease your building.

Premiums depend on enrollment, number of employees, locations, services offered, transportation, and claims history. A small single-site preschool and a multi-location franchise with vans will land in very different ranges. Because we’re independent, we compare multiple top-rated carriers to find the right coverage at the best available price. Request a free quote and we’ll give you real numbers for your center rather than a ballpark.

Yes. We write coverage for daycares, preschools, franchise childcare brands such as Tutor Time, math and reading centers such as Mathnasium and Kumon-style academies, plus STEM, robotics, coding, music, and test-prep coaching programs across Arizona. Franchise agreements often carry specific insurance requirements, and we make sure your certificate satisfies your franchisor.

Organizations that care for children face a liability exposure that standard general liability policies frequently exclude or sublimit. Abuse and molestation liability is a specialized coverage we include in our childcare programs so your center isn’t left exposed to some of the most serious and expensive claims it could face, including allegations against an employee and claims of negligent hiring or supervision.

Arizona requires employers to carry workers’ compensation if they have even one employee, whether full-time or part-time. For a childcare center that means your teachers, aides, cooks, drivers, and administrative staff all need to be covered. We can quote workers’ comp alongside your liability and property coverage so everything renews together.

If your center transports children — school pickups, field trips, or shuttle routes — those vehicles need commercial auto coverage, and Arizona licensing rules require insurance on any vehicle used to transport children in your care. Personal auto policies typically exclude business use, so a van titled to your center should be on a commercial policy with hired and non-owned coverage if staff ever drive their own cars for center business.

Yes. Certified child care group homes and in-home daycare providers in Arizona have their own liability insurance requirements, and a homeowners policy almost never covers a childcare business run out of the residence. We write standalone coverage for home-based providers so both your household and your business are properly protected.

Once your policy is bound we can typically issue a certificate of insurance the same business day, which matters when a landlord, franchisor, or ADHS licensing surveyor needs proof on short notice. Additional insured endorsements for landlords and franchisors are handled at the same time.

We’re based in Peoria and serve childcare and learning centers throughout Arizona — including Phoenix, Scottsdale, Mesa, Chandler, Gilbert, Tempe, Glendale, Surprise, Goodyear, Avondale, Buckeye, Queen Creek, Tucson, Flagstaff, Prescott, Casa Grande, Maricopa, and Yuma — and we’re also licensed in California, Indiana, Michigan, Oregon, Washington, and Wisconsin.