Workers' Comp Coverage for Child Care Businesses

We’ve been helping business owners find easy and affordable coverage for over 15 years. Our experts understand the underwriting requirements from the insurance companies and we know how to negotiate the lowest rates on coverage. That’s why we’ve developed daycare programs designed to help you get the best rates and most flexible payment options.

Pay as you go

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Workers' Compensation Codes Related to Child Care

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.

Child Care Insurance Workers' Compensation

Class Code 8869
Child Care Insurance

Daycare businesses are primarily engaged in providing care for pre-school and school aged children. Services may be provided in a commercial building or a caregivers' home. A child care provider assumes the care, custody and control of a child for a set amount of time. Children may either be dropped at the facility or transported by the daycare provider. Meals, naps and recreational activities are common with child care. Some providers such as Montessori schools also provide various educational instruction.

In the event a child care center utilizes its own vehicles and drivers, drivers should be separately rated under class code 7380- Drivers and Chauffeurs.

Child day camps also fall under class code 8869 as long as operations do not include overnight accommodations. Overnight recreational camps, such as children adventure camps and vacation camps, generally fall under class code 9015- Camp Operations.

Adult daycare and senior care services should be separately rated under class codes 8868 and 9101-School Employees.

Alternative State Class Codes for Day Care Facilities:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Related: day care, child care center, pre-school, day nursery, in-home day care, learning center, home child care.


licensed throughout the United States

How Does Workers' Comp Work?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers’ comp policy is a no-fault system that pays for these accidents and claims. It’s required by law in most states.

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

In some instances, workers’ compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

How Much Does Day Care Insurance Cost?

The average rate our customers pay for workers’ compensation under the child care class code is around $1.25 per $100 of payroll. The average annual cost for a general liability insurance policy is about $475.00 for home daycare insurance and $650.00 for a commercial daycare.
  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of facility may modify rates
  • Premium discounts and policy credits may apply
  • GL rates for are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of daycare matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC code- 8351; ISO 41715

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We've developed affordable insurance programs for Day Care.