CHILD, Inc. In-home Child CareIn-Home Child Care Accident Medical & Liability Insurance

Our CHILD, Inc. Insurance Program provides Liability and Accident Medical Insurance for licensed, registered or certified individuals that run an in-home child care or family day care.

If you operate an in-home day care business, please note that all homeowner insurance policies specifically exclude coverage for any business operation so it is imperative to find insurance protection for your child care business under a separate policy.

Our CHILD, Inc. Insurance Program Provides for High Liability Limits With the Following Options Available:

  • All Eligible States (excluding CA & NY)
  • California
  • New York State
  • New York City

All Eligible States except California and New York
Maximum number of
children in your care
at any one time:
Annual Premium
w/ Liability Limits of
$1,000,000 per occurrence
$3,000,000 aggregate
Annual Premium
w/ Liability Limits of
$100,000 per occurrence
$300,000 aggregate
1 $521 $383
2 $527 $389
3 $533 $395
4 $539 $401
5 $545 $407
6 $550 $412
7 $674 $500
8 $680 $506
9 $686 $512
10 $692 $518
11 $698 $524
12 $704 $530
13 $939 $695
14 $945 $701
15 $951 $707
16 $956 $712
17 $962 $718
18 $968 $724

Premium includes $20,000 Accident Medical Expense Benefit, $10,000 Accidental Death & Dismemberment and $60 membership fee.


California
Maximum number of
children in your care
at any one time:
Annual Premium
w/ Liability Limits of
$1,000,000 per occurrence
$3,000,000 aggregate
Annual Premium
w/ Liability Limits of
$100,000 per occurrence
$300,000 aggregate
1 $605 $438
2 $611 $444
3 $617 $450
4 $623 $456
5 $629 $462
6 $634 $467
7 $917 $670
8 $923 $676
9 $929 $682
10 $935 $688
11 $941 $694
12 $947 $700
13 $1,205 $876
14 $1,211 $882
15 $1,217 $888
16 $1,222 $893
17 $1,228 $899
18 $1,234 $905

Premium includes $20,000 Accident Medical Expense Benefit, $10,000 Accidental Death & Dismemberment and $60 membership fee.


New York State (not including the boroughs of New York City)
Maximum number of
children in your care
at any one time:
Annual Premium
w/ Liability Limits of
$1,000,000 per occurrence
$3,000,000 aggregate
Annual Premium
w/ Liability Limits of
$100,000 per occurrence
$300,000 aggregate
1 $521 $371
2 $527 $377
3 $533 $383
4 $539 $389
5 $545 $395
6 $550 $400
7 $647 $424
8 $653 $430
9 $659 $436
10 $665 $442
11 $671 $448
12 $677 $454
13 $1,059 $759
14 $1,065 $765
15 $1,071 $771
16 $1,076 $776
17 $1,082 $782
18 $1,088 $788

Premium includes $20,000 Accident Medical Expense Benefit, $10,000 Accidental Death & Dismemberment and $60 membership fee.


New York City (Brooklyn, Bronx, Manhatten, Queens, Staten Island)
Maximum number of
children in your care
at any one time:
Annual Premium
w/ Liability Limits of
$1,000,000 per occurrence
$3,000,000 aggregate
Annual Premium
w/ Liability Limits of
$100,000 per occurrence
$300,000 aggregate
1 $893 $585
2 $899 $591
3 $905 $597
4 $911 $603
5 $917 $609
6 $922 $614
7 $1,298 $854
8 $1,304 $860
9 $1,310 $866
10 $1,316 $872
11 $1,322 $878
12 $1,328 $884
13 $1,776 $1,164
14 $1,782 $1,170
15 $1,788 $1,176
16 $1,793 $1,181
17 $1,799 $1,187
18 $1,805 $1,193

Premium includes $20,000 Accident Medical Expense Benefit, $10,000 Accidental Death & Dismemberment and $60 membership fee.

Apply For Your In-home Child Care Insurance Today

Individual in-home childcare providers may purchase insurance coverage by completing an application for insurance. The insurance premiums you pay will be based on the number of children in your family, group family daycare and the limits you have chosen.

Your insurance coverage will take effect when we receive your insurance application and full premium payment. If we have any questions we will contact you. If it is determined that your family childcare business is ineligible for this program then we will send your check back to you with a letter describing why you have not been accepted into the program.

In-home Child Care and Family Day Care Insurance In Over 25 States

Currently this accident and liability insurance program is available of in-home child care businesses in the following states: Arizona, California, Colorado, Connecticut, Delaware, Illinois, Indiana, Iowa, Kansas, Maine, Maryland, Massachusetts, Michigan, Minnesota, Nebraska, New Hampshire, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, Washington, and Wisconsin.

Click here for more detailed information on the insurance benefits available through CHILD, Inc.