Daycare & School Insurance

Daycares, preschools and private schools care for children every day, so their property and liability coverage has to be solid. Pacific Southwest Insurance Services insures child care centers, preschools and private schools with coverage for buildings, classrooms, playgrounds and liability.

Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.

Who We Insure

Our daycare & school clients include:

Child care centers
Preschools
Private K-12 schools
Tutoring and learning centers
After-school programs
Home-based daycares (commercial)

Coverage Options

Building coverage: Covers classrooms, offices and kitchens you own.
Contents: Covers furniture, toys, books, computers and kitchen equipment.
Playground equipment: Covers outdoor structures and fencing.
Business income: Replaces tuition income during a covered closure.
General liability: Covers injuries to children, parents and visitors.
Abuse and molestation: Essential coverage for any organization serving children.

What Affects Your Premium

Every property is different. Carriers typically look at:

Number of children and age groups
Licensing and staff ratios
Building construction and age
Playground surfaces
Transportation services
Location
Claims history

As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.

Why Choose Pacific Southwest Insurance Services

Family-owned and serving California since 1965, now writing coverage nationwide
Access to multiple commercial property carriers, including markets for hard-to-place risks
Fast certificates of insurance and lender evidence of property
One agency for your property, general liability, commercial auto, bonds and more
A real person answers the phone and knows your account

Common Claims We See

Playground injuries: Falls are the most common injury claim.
Slip-and-falls: Wet floors and spills cause injuries.
Food allergy reactions: Reactions can lead to liability claims.
Water damage: Restrooms and kitchens can leak.

Tips for Daycare and School Owners

Background-check every staff member.
Inspect playgrounds regularly and keep records.
Keep incident and allergy logs.

Frequently Asked Questions

What insurance is required for a licensed daycare?

Requirements vary. Many licensing agencies, landlords and contracts require general liability. We’ll help you meet them.

Is abuse coverage included?

Usually not automatically. It’s a critical add-on for child care providers.

Do you cover vans for field trips?

Yes. We can add passenger vans on a commercial auto policy.

Do I need workers’ compensation for my staff?

Yes. In California, workers’ compensation is required if you have employees.

Does homeowners insurance cover a home daycare?

Usually not. A home daycare needs its own liability coverage, and licensing may require it.

Other Properties We Insure

Don’t see your property type? We insure most commercial properties. See all commercial property coverage.

Get a Daycare & School Insurance Quote

Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.

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Notes

✓ A licensed agent will call you, usually the same business day.
✓ No obligation · We compare multiple insurance companies · Se habla español.
✓ CA License #0F41718 · Serving California since 1965.

About Us

We are located at the corner of Nordhoff Street and Reseda Boulevard in the Wells Fargo Bank building.

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License # 0F41718

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