North Carolina Daycare & Child Care Business Insurance

A special business mission that requires special care

When child care is your business, you provide a service that many people couldn’t go without. Nearly one-third of the nation’s children under five years of age are cared for by daycare centers and child care facilities. In North Carolina and South Carolina, thousands of small child care businesses take care of our kids. This is a business segment we know well at Spivey Insurance Group. We’re a member of the State and National Child Care Association, and we’ve developed deep expertise and policy resources to help protect the businesses that care for our region’s children.


Child care businesses have a special mission when it comes to insurance. In addition to building and property exposures, there’s the all-important mission of keeping children safe in classrooms, playgrounds, on school buses, and, occasionally, on field trips. Protecting a multi-faceted business like a daycare requires more than just the standard business insurance policies. Because of its special mission, it’s a highly-regulated business sector with unique liability and risks.

Protection for special risks

Insurance coverage to protect North Carolina daycare owners from liability encompasses a wide range of protections, which might include:

  • professional liability insurance
  • high limit umbrella insurance
  • employment practices liability insurance (EPLI)
  • directors & officers insurance
  • abuse and molestation coverage
  • field trip and special event coverage

But being fully covered isn’t just about your legal coverage gaps – you’ve got to consider your physical property, as well. We also offer coverage for your physical assets, such as commercial auto insurance to protect cars and buses used for daily transport or for field trips; crime insurance; coverage for playground equipment and landscaping, and coverage for backup of sewer and drains.


You’re entrusted with helping to care for and develop other people’s children – that’s an important enough mission, you shouldn’t have to worry about insurance. Spivey Insurance Group can help take ease your mind about liability concerns and help you remain committed to your children.

Talk to us!

At Spivey Insurance, there’s nothing we are more passionate about than working with local businesses – and as parents ourselves, we have a sweet spot for day care centers. The trust of our neighbors means everything to us. It’s the foundation on which we’ve built and grown our business over the years. We live by our honesty, our integrity and our expertise because we’re working hand-in- hand with you in our community every day.


We’d love to talk with you about the ways we can help you safeguard your North Carolina or South Carolina daycare business. We’re happy to look over your existing policies and give you our analysis as to whether your business is adequately covered or has exposures through gaps that could be easily addressed. Drop us a note or ask for a quote. Better yet, give us a call 704-821-4460 or stop by our office.

Get A Quote

For Insurance Type

I need to protect

My Team’s Health

I need to protect

My Office Building

I need to protect

My Work Vehicle