Insurance for Daycares in Ontario

Protect the Children in Your Care and Your Business.

Running a daycare in Ontario means taking responsibility for the safety, well‑being, and development of children every day. With that responsibility comes risk, and daycare insurance ensures your childcare business is protected from the unexpected.

Whether you operate a licensed daycare, home‑based childcare, or a commercial childcare centre, the right insurance keeps your business stable, compliant, and financially secure.

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What Does Daycare Insurance Cover?

Daycare insurance typically includes liability coverage, property protection, abuse coverage, and business interruption insurance.

Commercial General Liability Insurance

Covers injuries to children, parents, or visitors on your premises.

Property Coverage

Covers toys, equipment, furniture, and the building (if owned).

Optional Add‑Ons

Optional coverage can include playground equipment coverage, outdoor liability, food handling liability, and commercial auto insurance if you transport children.

Cyber Liability

Can protect digital records, parent data, and payment systems.

Business Interruption Insurance

Replaces income if your daycare must close due to an insured event.

Professional Liability

Protects against claims related to supervision, care, or educational activities.

Coverage that helps you care with confidence.

Get the peace of mind you need to focus on your childcare business. Get your custom quote and we’ll deliver insurance tailored to your business.

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Who Needs Daycare Insurance?

Daycare insurance is essential for:

  • Licensed childcare centres

  • Home‑based daycares

  • Before‑ and after‑school programs

  • Montessori and private childcare

  • Nursery schools

  • Drop‑in childcare programs

If you care for children for pay, you’re running a business — and that business needs protection.

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Why Daycare Insurance Matters

Childcare is a high‑trust, high‑responsibility profession. Even with excellent safety practices, accidents can happen.

Daycare insurance helps you:

  • Protect children, staff, and your business

  • Avoid paying out‑of‑pocket for injuries or lawsuits

  • Replace income if your daycare must temporarily close

  • Meet licensing and regulatory requirements

  • Build trust with parents

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How Much Does Daycare Insurance Cost in Ontario?

Daycare insurance costs vary based on:

  • Number of children

  • Type of daycare (home vs commercial)

  • Staff count

  • Claims history

  • Coverage limits

  • Location

Most Ontario daycares pay between $600–$2,500 per year, depending on size and risk level.

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ONTARIO DAYCARE COVERAGE

Customize coverage for your daycare.

Protect your daycare with coverage designed for Ontario childcare providers. Whether you run a home daycare or a full childcare centre, you can get the right protection quickly and easily by starting with a custom quote from aha.

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Ontario Daycare Insurance FAQs

  • Daycare insurance is a specialized business insurance package designed to protect childcare providers from risks such as injuries, accidents, property damage, and legal claims. It includes liability coverage, property protection, and optional add‑ons tailored to daycare operations.

  • Yes. Whether you run a licensed childcare centre or a home‑based daycare, insurance is essential. Most home insurance policies exclude childcare activities, so daycare insurance ensures you’re properly protected and compliant with licensing requirements.

  • Coverage typically includes:

    • Commercial general liability

    • Professional liability for supervision and care

    • Abuse coverage

    • Property coverage for toys, equipment, and furniture

    • Business interruption

    • Cyber liability for parent and child data Optional add‑ons may include playground equipment coverage and commercial auto.

  • No. Most home insurance policies exclude business activities, especially childcare. If you run a daycare from your home, you need home daycare insurance to cover liability, equipment, and supervision‑related risks.

  • Costs vary based on the number of children, type of daycare, staff count, claims history, and coverage limits. Most Ontario daycares pay between $600 and $2,500 per year, depending on size and risk level.

  • Yes. Commercial general liability covers injuries to children, parents, or visitors on your premises. Professional liability also protects you if a claim involves supervision or care.

  • Yes. Even small or home‑based daycares face liability risks. If you care for children for pay, you are operating a business and need proper insurance.

  • Many policies include outdoor liability, but playground equipment may require an add‑on. Coverage depends on the type of equipment and safety standards.

  • You can get daycare insurance online with aha. You’ll need details about your daycare type, number of children, staff, and coverage preferences.