Running a childcare business in Texas presents a number of challenges, and one of the biggest is securing the right insurance coverage. If you suddenly need insurance for your daycare center, you’re not alone—many Texas daycare owners have received unexpected non-renewal or cancellation notices from their insurance companies over the past year, causing significant disruption and stress.
These cancellations are largely driven by the instability in Texas’s commercial property insurance market. In addition, rising concerns over legal liability in childcare operations have made insurers more cautious. Insurance companies have faced substantial losses from both property damage claims and injury-related claims in daycare settings. As a result, many have scaled back or completely stopped offering new policies to childcare businesses—even when those businesses have no claims or wrongdoing on record.
Watch the video to find out how you can help us to get your policy in place quickly.
Fast-Track Daycare Insurance Guide
1. Work with an Independent Insurance Agent
- Access to multiple carriers
- Knows which insurers specialize in daycare
- Helps you compare options quickly and effectively
2. Have Your Information Ready
- Business operations overview
- Employee count and payroll
- Safety procedures
- Loss Runs (prior claims history)
3. Be Clear About Your Needs
- Know the coverage types you require (e.g., general liability, abuse coverage)
- Specify liability limits
- Mention any special concerns or operations
4. Respond to Questions Quickly
- Underwriters need accurate, fast answers
- Delays or vague replies can slow down approval
Finally, Don’t Cut Corners
When you're in a hurry to get daycare insurance, it's tempting to choose the cheapest, quickest option—but doing so can put your business at serious risk. In Robert’s case, he could have settled for a bare-minimum liability policy, but that would have left him exposed to potential negligence claims and costly legal issues. Instead, he chose to work with a Texas daycare insurance specialist who helped him secure the comprehensive coverage his business truly needed. While it meant a slightly higher premium upfront, it gave him long-term protection and valuable peace of mind.
If you're a Texas daycare owner facing a similar situation, Insurance for Texans is here to help. Our True Texas Daycare Insurance experts understand the unique risks your center faces and will walk you through a fast, tailored process to find the right coverage.
Click below to get your customized insurance plan and protect what matters most.
