Help protect your children, your business assets, and your business.

Working with youngsters can be thrilling, exhilarating and rewarding, and we want to help you keep it that way.

Markel Specialty can provide you with customizable insurance products along with knowledgeable, friendly claims service professionals to help you when you need help the most. We have a variety of coverage limits available at an affordable price, all built specifically with the in-home child care provider in mind.

Whether you are caring for 1 child or 18, our in-home child care insurance can cover you for:

  • General liability
  • Abuse and molestation

Why do you need insurance for your in-home child care center?

Did you know your in-home daycare may NOT be covered by your homeowner’s policy? Typical homeowner’s policies (HO-3) only offer you liability coverage for your personal exposures, and excludes liability coverage for family day care activities. That means in the event your in-home child care business were to be sued, your personal assets like your home and savings could be at risk.

That’s why you need to consider commercial general liability coverage made just for your business. By choosing Markel Specialty, you can customize insurance coverage that can help protect your in-home child care business.

Linda C. | January, 2019

Markel in-home child care insurance customer
"Very professional when answer the phone and patience and have your customer at heart."

Barbara S. | November, 2019

Markel Specialty in-home child care customer
"I tried to get liability insurance for childcare business from others and it was so difficult.  When I discovered Markel and the ease of the process with this company I was amazed. The experiences with customer service were professional and always helpful."

Betty N. | November, 2019

Markel Specialty in-home child care customer
"Always felt better knowing all the areas that can affect a daycare provider are covered."

In-home child care insurance coverages

Markel Specialty in-home daycare insurance can offer the right insurance coverage for you and your business.

General liability
General liability insurance coverage can cover bodily injury and property damage for your in-home child care business. Commercial general liability limits up to $1 million per occurrence / $3 million aggregate. (Aggregate is the maximum amount Markel Specialty will pay for all covered claims combined per policy term.)

Abuse and molestation
We offer this critical coverage that can potentially step in and cover defense or monetary judgment against your business—maximum of $100,000 per occurrence/$300,000 aggregate.

Legal defense protection included
Your insurance coverage would also include legal defense services in the event you are sued by the injured party.

Accident medical
Accident medical insurance will cover children’s medical bills if they are injured in your care, or if their bills exceed what their parent’s medical/health insurance pays.

With Markel Specialty you get more

Affordable premiums with financing options
Our flexible payment options and our affordable premiums can work with most budgets, and still allow you to get the most out of your policy.

Variety of limits available
Whether you’re caring for 1 child or 18 children, we provide different insurance coverage limits to help meet your needs.

Coverage is written on an occurrence basis
Even if a claim is reported after your policy expires, you still potentially have coverage if that claim occurred during the policy period.

Additional insured
Landlords or resource and referral agencies can be added at no additional cost.

value added services icon
VALUE-ADDED SERVICES
Background checks, training materials and education available at negotiated rates.
FAQ
FAQs
Review frequently asked questions about Markel Specialty's in-home child care insurance program.
Loss control
RISK SOLUTION SERVICES
Markel Specialty is committed to providing the tools you need to help you keep safety first.

Our in-home child care insurance is flexible and affordable.
Start your in-home child care insurance quote today and get the coverage you need.
This content is provided for informational purposes only. Terms, conditions, and exclusions apply. Coverage is underwritten by one or more member companies of the Markel North America Insurance Group, including Markel American Insurance Company, Glen Allen, VA, and policyholder services are provided by the underwriting manager, Markel Service, Incorporated, national producer # 27585, in California dba Markel Insurance Services License#: 0645481. Terms and conditions for rate and coverage may vary by state and application. Insurance and coverage are subject to availability and qualifications and may not be available in all states. Coverage descriptions listed are intended to be brief and do not replace actual policy language. Markel Specialty is a business division of Markel Service, Incorporated. Markel® is a registered trademark of the Markel Corporation.