Daycare Insurance in Texas

Daycare insurance is a package of commercial coverages built for childcare operations. It typically combines general liability for injuries and property damage on your premises with commercial property protection for your building, equipment, and furnishings. It does not replace workers’ compensation for employee injuries, nor does it automatically cover every claim involving a child away from your licensed location. Steve White Insurance Group can map the package to your Texas license type and the ages you serve so you see what is in and what is out before you buy.

Homeowners insurance is written for a private residence, not a childcare business. A claim tied to paid care—a child injured during supervised play, a parent alleging negligence, or damage to business equipment—can fall outside a standard home policy. Many Texas home daycare operators add a business liability or daycare package, and some carriers require it once you care for children for pay. An independent agent at Steve White Insurance Group can compare options across carriers we represent and show you where a home policy ends and business coverage begins, with no obligation to bind.

Common decisions include general liability limits, whether abuse and molestation coverage is required by your landlord or licensing body, and how much property and business income protection you need after a fire, storm, or shut-down. Higher limits and broader add-ons can raise the premium; thinner limits can leave gaps if a serious injury claim exceeds what you bought. Requirements can also differ by city, landlord, and the ages in care. We work for you, not one insurer, so we can line up quotes from carriers such as The Hartford, Travelers, Progressive, and others we represent and walk through the trade-offs in plain English.

Texas licensing and many landlords, parents, and partner programs often expect proof of liability insurance before you open or renew. Exact amounts and forms are set by the entity asking for the certificate, not by a single statewide daycare-insurance law that fits every setup. Running without the coverage a landlord or licensing reviewer requires can delay opening or put a contract at risk. Steve White Insurance Group can help you match certificate wording and limits to what those parties ask for, then shop the package across our markets so you are not locked into one carrier’s price.

Have your location type (home or commercial), approximate enrollment, ages served, current declarations if you have a policy, and any certificate requirements from a landlord or licensing body. Most quotes start from that snapshot; the final premium can change if underwriting sees different exposures or loss history. Call (214) 865-9966 or request a free, no-obligation quote. We compare options from the carriers we represent in Texas and explain the differences so you can decide without pressure to buy.