Childcare and daycare centers play a crucial role in Canadian communities—providing safe, nurturing environments for young children while supporting working families. With children in care daily, specialized insurance coverage is essential to protect both the centre and the families it serves.

Key Risks for Childcare & Daycare Centres

Daycare operations may face exposure to:

• Child injuries during play, learning, or activities
• Property damage to classrooms and play areas
• Liability claims from parents or guardians
• Staff injuries and workplace incidents
• Theft or damage to educational materials and equipment
• Regulatory and licensing requirements

Even minor incidents can result in serious financial and reputational impact.

What Does Childcare Insurance Cover?

Coverage is typically tailored and may include:

• Commercial general liability
• Property and contents insurance
• Professional & abuse liability
• Employer’s liability / workers coverage
• Business interruption insurance

Why It’s Essential in Canada

Canada’s strict childcare regulations and heightened duty of care increase exposure. Proper insurance helps centres maintain compliance, protect staff, and ensure continuity of care.

Childcare and daycare insurance protects what matters most—children, families, and peace of mind.

Brokers can contact Total Risk Managers to discuss a risk.

This article is general information for insurance brokers. It is not advice, and it is not a quote or an offer of coverage. Policy wording decides what is covered. Coverage is arranged through a licensed insurance broker.