Daycare Insurance in Tennessee

You can save up to 25% in discounts on business insurance.^*

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Daycare insurance in Tennessee tailored for your business

NEXT customizes insurance for small businesses, including daycare business. We help business owners get covered in about 10 minutes online. And you’ll have 24/7 access to services. Insurance packages can be customized to include:

General liability
Professional liability
Workers’ compensation
Commercial property

You can save up to 25% on daycare business insurance in Tennessee

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance helps to protect you from unexpected expenses related to many types of accidents that can affect your daycare business. And clients could require that you have general liability coverage as part of contract requirements so they know that you can pay for any accidental injuries or damage related to your work.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Professional Liability (E&O)

Coverage against business mistakes and claims of negligence

Professional liability insurance (also known as errors and omissions or indemnity insurance) helps you defend yourself and your daycare business if you’re accused of making a mistake that causes someone to lose money. It could help cover related expenses to defend yourself or address the problem.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance helps to make sure workers are taken care of if they’re hurt on the job, while also protecting daycare business owners from significant financial losses after an accident. It’s legally required in most states for businesses with employees.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property coverage helps protect almost all of the physical items you need to run your daycare business, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

How much should a daycare like me expect to pay for insurance in Tennessee?

Since every daycare business in Tennessee has unique circumstances, the price of business insurance varies. There are a number of factors that we take into consideration when provide an instant quote online, including:

If you work by yourself or have employees
Where your work sites are located
The kind of jobs you usually perform
How many vehicles you use for your business

Business insurance for daycare business in Tennessee can cost as little as $21 per month.†

We’ll make this quick. With NEXT, you can get a quote and buy business insurance in less than 10 minutes.

What are the daycare insurance requirements in Tennessee?

From your first day of business to your latest employee hire, NEXT is here to help your business thrive. Our flexible small business insurance provides the protection you need to get going and keep on growing. You might need insurance to:

Hire people. Tennessee business requires workers’ compensation if you have employees.
Drive for work. Business-owned vehicles almost always need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Meet industry standards and state requirements for a daycare business.
Grow with your business as you experience fluctuations.

Frequently asked questions about daycare business insurance

Here are some of the most common questions we get about daycare business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does NEXT Insurance offer daycare business insurance in Tennessee?

Yes, NEXT Insurance offers tailored daycare business insurance in Tennessee.

Does NEXT Insurance offer Commercial Auto coverage for daycare business in Tennessee?

Yes, NEXT Insurance offers General Liability, Professional Liability, Commercial Auto, Workers' Compensation, Commercial Property coverage for daycare business in Tennessee.

How does business insurance protect daycares?

Our commercial and home daycare insurance packages are designed to protect your business from a variety of childcaring risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

A child kicks a ball in your outdoor play area and shatters a neighbor’s window. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A child chips a tooth when falling from your playground equipment. Your general daycare liability insurance coverage would also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

Your daycare accidentally serves a snack that contains an allergen and a child has to receive treatment. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

An employee strains their back while picking up a toddler. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

Your work van’s roof is dented by a fallen branch during an overnight storm. Commercial auto insurance will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

A frozen pipe bursts and floods your daycare facility. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a consultant business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.

Get customized insurance wherever you do business

Learn more about insurance options in the states where you work.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

More professions that are covered by NEXT

Acting Lessons, Adult Education, Art Class, Child Care, Computer Lessons, Daycare, Tutor

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.