Insurance Protection That’s Better, Together

Daycare Insurance in Ohio

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Insurance Protection That’s Better, Together

Running a daycare or child care facility in Ohio comes with a unique set of responsibilities—and risks. Whether you’re caring for a handful of children in a home-based setting or managing a larger licensed child care center, having the right insurance plan in place is an important step in protecting the business you’ve worked hard to build.

At Chris Arnott Agency, we understand the challenges child care providers face. We’re here to help you explore insurance options that are tailored to your operation—big or small—so you can focus on providing a safe, nurturing environment for the families who rely on you.

Daycare Insurance Ohio

What Types of Insurance Should Daycares Consider?

There are several types of policies that may be relevant for child care businesses in Ohio. Every daycare is different, and the specific coverage that may be right for your facility can depend on factors like location, number of employees, whether the business is operated from home, and more.

Some coverage options that child care providers in Ohio often explore include:

  • General Liability Insurance – May help respond to claims of bodily injury or property damage.
  • Professional Liability Insurance – Could be relevant if you’re concerned about allegations of negligence or failure to provide proper care.
  • Commercial Property Insurance – Often considered for protection of buildings, equipment, or supplies used in the business.
  • Abuse and Molestation Coverage – May be available as part of a broader plan or an add-on.
  • Workers’ Compensation – Required in Ohio for most businesses with employees, and may offer support in the event of a workplace injury.
  • Commercial Auto Insurance – If your daycare transports children, you may want to explore this option.

These are just a few examples. At Chris Arnott Agency, we can work with you to assess your operations and identify a policy package that reflects the risks most relevant to your business.

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Why Do Child Care Businesses Need Insurance?

Operating a daycare means managing a high level of responsibility. From playground accidents to natural disasters, a variety of situations could disrupt your business or lead to costly claims. Insurance is designed to provide a layer of financial protection that can help you recover in the event of a loss.

For example, a child could trip and fall while playing, or a parent might allege negligence. If your daycare is temporarily forced to close due to a fire or storm, some policies may offer business interruption support. While insurance can’t prevent these things from happening, it can be a resource that helps you manage the aftermath more effectively.

  • Requirements vary based on the type and size of your child care operation. In Ohio, licensed child care centers may be required to carry certain minimum insurance protections. For example, general liability insurance is often a licensing requirement for both home-based and center-based providers.

    If you employ staff, Ohio law generally requires that you carry workers’ compensation insurance. Vehicle insurance requirements can also apply if you use a vehicle for business purposes, such as transporting children.

    Because rules and requirements can change, it’s a good idea to consult with a local agent who’s familiar with federal child care regulations. At Chris Arnott Agency, we stay current on state guidelines and can help ensure your insurance aligns with what’s expected.

  • Premiums for daycare and child care insurance can vary widely based on several factors:

    • The size and location of your business
    • Whether the daycare is operated from your home or a commercial space
    • Number of employees and children in your care
    • Type of coverage and policy limits selected
    • Safety measures and training in place

     

    Because each child care operation is different, the best way to get an accurate idea of cost is to request a personalized quote. We’re happy to provide a no-obligation estimate and help you compare options that fit your budget and goals.

  • Yes, home-based child care providers in Ohio can often obtain insurance coverage designed for their unique setting. Standard homeowners policies typically do not extend coverage to business-related activities. That means without the right add-ons or a separate business policy, you could be left exposed in the event of a claim.

    There are insurance options tailored specifically for licensed in-home daycares, which may include coverage for injuries, property damage, and even business personal property like toys and equipment. If you run your daycare from home, it’s important to let your agent know so they can find a plan that fits.

  • Our agency is based in Ohio, so we understand the local licensing requirements, community standards, and unique challenges that come with running a daycare in our state. Whether you operate a small in-home facility or a larger licensed center, we’re here to offer guidance that reflects real-world experience.

    When you work with Chris Arnott Agency, you’ll benefit from:

    • Local, personalized service
    • Guidance tailored to your type of daycare
    • Help understanding your options without high-pressure tactics
    • Access to a range of insurance carriers and plans

     

    We take the time to listen, explain, and walk through your questions so you feel confident in your decisions.

Daycare Insurance Ohio

How Do I Get a Quote for Daycare Insurance in Ohio?

Getting started is simple. You can call us, send an email, or stop by our local office to speak with one of our agents. We’ll ask a few questions about your child care business, help you understand your insurance needs, and provide you with a quote tailored to your specific operation.

There’s no obligation, and we’re happy to answer your questions—even if you’re just exploring your options.

When you care for children, families trust you with what matters most. At Chris Arnott Agency, we’re here to help you protect that trust with insurance options that work for your Ohio child care business. Reach out today to learn more or to request your free quote.

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East Liverpool, OH 43920

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