Daycare Insurance
Custom Coverage for Childcare Centers, Home Daycares, and Commercial Providers in Washington.
Protecting the Little Wolves in Your Care
Running a daycare is more than a job — it’s a responsibility. You’re trusted with other people’s children every day, and that trust deserves serious protection. Whether you run a home daycare or a commercial facility, the right insurance helps keep your business (and your reputation) intact when the unexpected happens.
Just like a pack watches over its young, we’re here to help you protect yours.
What Risks Do Daycares Face?
Even with the best training, policies, and staff — things can go wrong. A few real-world examples we’ve seen:
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A child trips and breaks an arm during outdoor play
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A parent alleges neglect after a diaper rash gets worse
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An employee is accused of inappropriate behavior
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A fire damages part of the building
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Your daycare van is rear-ended on the way to a field trip
If your coverage isn’t built for this world, you’re exposed. That’s where we come in.
Institutional Precision for Childcare Centers
Most agents see a daycare as a small business; we see it as a complex liability environment. With a background grounded in the risk-management cultures of Morgan Stanley and JPMorgan Chase, Jon Hood applies 11 years of financial rigor to your insurance audit. We don't just 'sell a policy'—we build a defensive perimeter that protects your assets, your staff, and your legacy.
Coverages That Matter
✅ General Liability
Covers injuries to children, parents, or visitors, and damage to their property.
✅ Professional Liability (E&O)
For claims of negligence, improper supervision, or accidental injury.
✅ Abuse & Molestation Coverage
Essential in today’s environment — some carriers exclude this by default. We make sure it’s handled.
✅ Property Insurance
Protects your daycare space, toys, equipment, kitchen, and more.
✅ Business Interruption
Covers income loss if you have to shut down temporarily due to a covered event.
✅ Workers’ Compensation
Required in most cases — protects your staff if they’re hurt on the job.
✅ Commercial Auto (if applicable)
Covers vans or shuttles used to transport kids.
✅ Digital Privacy & Restoration Most daycares use apps for billing and parent communication. If that data is breached, you face massive legal "growls." We ensure you have the 2026-mandated 72-hour restoration support to keep your center running and your families protected.
Why Daycare Owners Choose Hood Insurance
We’re not a giant call center. We’re a local agency that understands both business risk and the unique exposures you face as a daycare.
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Local expertise in Washington daycare licensing + insurance requirements
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Fast certificate turnaround for DSHS and landlords
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Experience with home-based and center-based care
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Guidance you can trust. No upsell, no fluff, no pressure.
The Pack doesn't just watch—we defend. We provide the strategic planning and rapid certificate turnaround you need to stay in compliance with Washington state licensing and focus on what matters most: the kids.
We’re part of your pack — and that means we’re here when it counts.
Straightforward Coverage. Support That Sticks.
We know the insurance needs of a daycare aren’t one-size-fits-all. Let’s talk through the risks and put together a policy that fits your operation — and your budget.
📞 Call us today at (425) 689‑5855
📩 Or request a quote online →
