CHILDCARE INSURANCE
Coverage shaped around your center
Fernstone helps daycare, preschool, infant, and after-school programs secure practical coverage built around enrollment, staffing, transportation, playgrounds, property, and licensing requirements.
Nuance prevents delays and gaps
Abuse and molestation limits, staff screening, supervision, volunteer controls, age groups, transportation, and licensing requirements all affect underwriting. We address these details early so protection matches the real operation.
02 / INDUSTRY EXPERIENCE
Childcare risks change by age group, staffing model, transportation, playground exposure, and location. Fernstone understands how abuse and molestation requirements, licensing, property, and daily operations fit together.
Abuse and molestation
We help secure meaningful abuse and molestation coverage, review limits and exclusions, and align protection with licensing and contract requirements.
Property and playgrounds
We account for owned or leased buildings, classroom contents, outdoor play areas, and business interruption.
Transportation and staff
We address vans, hired and non-owned auto, employee screening, volunteers, and changing payroll.
$2,500–$40K+
Coverage context across childcare accounts Fernstone handles.
Relationships that match the way you operate
Our carrier relationships help childcare centers access coverage that fits the way they actually operate—from a first classroom to a growing multi-location program.
Contract review before requirements become problems
Fernstone can review landlord, licensing, and partner insurance requirements and help align policies, endorsements, and certificates before they slow an opening or renewal.
Fernstone is licensed in all 50 states and ready to support childcare businesses nationwide—from newer centers opening their doors to established operators managing multiple locations.
Deep childcare expertise. Fast, clear support.