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daycare insurance if youre a daycare looking for daycare Insurance watch this informative video it looks at daycare commercial policy types needed coverages cost and more how much does daycare insurance cost the average price of a standard 1 million to 2 million general liability insurance policy for daycares ranges from 37 to 109 dollars per month based on location in-home or commercial type capacity enrollment claims history experience and more what type of insurance do daycares need to protect their operations from claims arising from property damage injuries or accidents the most common commercial insurance policies daycares carry are general liability coverage this type of coverage is essential for any daycare business including in-home child care that allows members of the public to access its premises and is required in order to get your license this coverage takes care of costs from injuries that third parties sustain on the premises and it is a vital part of being insured as