--- title: Key Insurance Insights for Daycare Owners description: Daycare owners are facing uncertainty when it comes to their commercial insurance. In this article, we will break down the different types of coverage. image: https://www.insurancefortexans.com/hubfs/Key%20Insurance%20Insights%20for%20Daycare%20Owners.png --- ![IFTWebHeader-1-1](https://www.insurancefortexans.com/hs-fs/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png?width=1384&height=307&name=IFTWebHeader-1-1.png "IFTWebHeader-1-1") ## Insurance For Texans Blog All the Insurance Topics a Texan Could Want This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. # Key Insurance Insights for Daycare Owners Posted by [Brad Hancock](https://www.insurancefortexans.com/blog/author/brad-hancock) on May 9, 2025 10:06:13 AM ![Brad Hancock](https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png) - [Tweet](https://twitter.com/share)     Running a childcare business in Texas has become increasingly challenging due to a volatile insurance market, with many providers receiving sudden non-renewal or cancellation notices. These disruptions stem from mounting losses faced by insurers. Robert is a daycare owner in Fort Worth, who was blindsided by a non-renewal notice. This was despite a clean claims history. When he was faced with this issue, he struggled to find help because he had bought his policy online. With only two weeks before expiration, Robert needed [daycare insurance fast](https://www.insurancefortexans.com/blog/need-texas-daycare-insurance-fast-heres-what-you-should-know). He turned to the daycare insurance experts at Insurance for Texans for guidance on securing new coverage. Our agents guided Robert through the various policies involved in fully protecting his daycare center.    ### ✅ **Daycare Insurance Coverage Checklist** 1. 1. [**General Liability Insurance**](https://www.insurancefortexans.com/blog/why-professional-liability-insurance-matters-for-texas-daycares) Covers third-party injuries or property damage (e.g., a child falling on the premises). 2. [**Professional Liability Insurance**](https://www.insurancefortexans.com/blog/why-professional-liability-insurance-matters-for-texas-daycares) Protects against claims of negligence, errors, or failure to supervise (e.g., playground incidents). 3. [**Abuse and Molestation Insurance**](https://www.insurancefortexans.com/blog/understanding-abuse-and-molestation-coverage-for-texas-daycares) Defends your business against allegations of abuse, even if the claims are unfounded. 4. [**Commercial Property Insurance**](https://www.insurancefortexans.com/blog/the-challenge-of-texas-daycare-facility-property-insurance) Covers your building, equipment, furniture, and outdoor features like playgrounds from fire, theft, or storm damage. 5. [**Workers' Compensation Insurance**](https://www.insurancefortexans.com/blog/does-your-texas-daycare-really-need-workers-comp-coverage) *(Optional in Texas, but highly recommended)* Provides medical care and wage replacement for employees injured on the job (e.g., lifting children, slipping on wet floors). 6. [**Business Interruption Insurance**](https://www.insurancefortexans.com/blog/business-interruption-coverage-keeps-texas-daycares-open-after-storms) Covers lost income if your daycare has to temporarily close due to a covered event (like fire or storm damage). 7. [Commercial Auto Insurance](https://www.insurancefortexans.com/blog/what-texas-daycare-owners-have-to-know-about-auto-insurance) *(If applicable)* Covers vehicles owned by the daycare used for transporting children or supplies. 8. [Umbrella Liability Insurance](https://www.insurancefortexans.com/blog/what-is-an-umbrella-policy-and-do-i-need-it) *(Optional)* Provides extra coverage beyond your standard liability policies in case of major lawsuits. As a daycare owner, you deserve an insurance expert in your corner. Someone you can call with questions and who will guide you through the process of insuring your daycare center properly. At Insurance for Texans, we offer our True Texas Education insurance program to provide expertise to Texas daycare owners. Click the link below or call 469.789.0220 to get schedule a review of your daycare's policy today.   [![Click To Cover Your Daycare!](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2659071/interactive-173632756886.png) ](https://www.insurancefortexans.com/hs/cta/wi/redirect?encryptedPayload=AVxigLIVy9K82Y3D4U9OiY99X7YeoCcWvmamNkb0veoSrZe9rqjQogLX%2BGOBjXZCtgF6oES4Mbe66t%2FwVXBm3FtZHDZGKFr0Ckil%2BdQr6gt2zHVjY9wBWGxo6JYEH8kIi009%2BTjWaBbbLZrJj5fW9S6T60O39qdRI%2B1DyuS9BLfQTEP4b1QtSJD2u%2FMQpLsNaRncRaMVSNDFFuoycA%3D%3D&webInteractiveContentId=173632756886&portalId=2659071)   Topics: [daycares](https://www.insurancefortexans.com/blog/tag/daycares) ![Brad Hancock](https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png) About the Author ### Brad Hancock Brad grew up in his dad's insurance agency and just couldn't stay away from the business. He has deep experience in the Texas commercial insurance market to help businesses solve problems and mitigatee risk. Bradley joined Insurance For Texans in 2018 to expand the Commercial area. His deep experience was a perfect fit for our ability to partner with a large scope of companies to provide comprehensive insurance solutions to Texas businesses. He truly puts the client's best interest first and is not afraid to have the difficult conversations that it takes to make sure that your business is properly protected with Texas Commercial Insurance. #### Links #### Contact Us ** 469.789.0220 ** [info@insurancefortexans.com](mailto:yourname@company.com) ** 6777 Camp Bowie Blvd #329 Fort Worth, TX 76116 [**](https://www.insurancefortexans.com/blog/key-insurance-insights-for-daycare-owners#) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Brad Hancock", "url" : "https://www.insurancefortexans.com/blog/author/brad-hancock" }, "dateModified" : "2025-10-15T21:03:34.321Z", "datePublished" : "2025-05-09T15:06:13.000Z", "headline" : "Key Insurance Insights for Daycare Owners", "image" : [ "https://www.insurancefortexans.com/hubfs/Key%20Insurance%20Insights%20for%20Daycare%20Owners.png" ], "mainEntityOfPage" : { "@id" : "https://www.insurancefortexans.com/blog/key-insurance-insights-for-daycare-owners", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.insurancefortexans.com/hubfs/InsuranceForTexans%20Logo%20skinny.webp" }, "name" : "Insurance For Texans Group, Inc" } } ``` ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "description" : "Brad grew up in his dad's insurance agency and just couldn't stay away from the business. 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