Daycare insurance protects childcare businesses against liability claims, property damage, and injuries involving children, staff, or visitors.
KBD helps daycare operators in Quebec secure coverage tailored to licensed facilities, home-based operations, and regulatory requirements.
Find the best daycare insurance rates in Quebec
KBD is a Montreal-based business insurance broker with 40+ years of experience serving the Quebec market.
We compare multiple insurers to help you find the right daycare insurance policy at the best price for your operations.
Comparing rates from Canada’s leading commercial insurance companies
Daycare insurance coverages we provide in Quebec:
Commercial general liability
Running a daycare comes with potential risks. CGL insurance protects you in the event that your business causes damages to a third party, a personal injury, or property damages.
Property insurance
Commercial property insurance is an essential coverage for daycare centers to be properly protected. It covers the building, equipment, furniture and other belongings from risks like fire or theft.
Professional liability insurance
Also known as errors and omissions insurance, this coverage protects you and your business against claims of professional negligence.
Our clients say it best
We take pride in providing a 5-star serviceLeah N.
“Great service, very easy and well explained procedures and information needed for insurance. Jordan was great to work with, and had excellent communication skills. 10/10 recommend.”
Shawn B.
“Greg is always making sure all my insurance needs are covered. Excellent service and very responsive.. thanks again!”
Nathan T.
“My first time ever getting insurance for a car and it was super simple. I spoke to Erika who was super nice and answered all my questions, and provided everything I needed!”
Brian B.
“Great experience. As a new to Quebec driver who just bought a car I got my insurance processed over the phone in less than 20 minutes. Very efficient, easy to understand and good coverage.”
Get started with a daycare insurance quote today.
Daycare insurance in Quebec: frequently asked questions
What does daycare insurance cover in Quebec?
Daycare insurance in Quebec typically includes liability, property, and professional coverage for childcare operations.
A standard policy can protect against injuries involving children, property damage, theft, and risks related to daily activities or supervision.
Additional coverage may include abuse liability, cyber insurance, and business interruption.
How much does daycare insurance cost in Quebec?
Daycare insurance costs depend on factors such as the number of children you’re minding, location, coverage limits, and type of daycare (home-based or commercial).
In Quebec, premiums can range from a few hundred dollars per year for small home daycares to several thousand dollars for larger facilities.
A broker can help compare quotes and find the best insurance rate for your daycare.
We’d be happy to help.
Do you need insurance to run a home daycare in Quebec?
While it’s not legally mandated to have home daycare insurance in Quebec, it is highly recommended.
Like with any business, running a daycare comes with certain risks.
Having these insurances not only protects you from significant financial losses, but also enhances trust with parents, ensuring that you are prepared for any unexpected incidents.
Given the unique risks associated with childcare, comprehensive insurance coverage is important to maintain a safe and reliable daycare operation, and to financially protect your personal assets.
So, while it’s not mandatory, obtaining insurance is a smart measure for anyone operating a home daycare.
What types of insurance does a daycare need?
Most daycare operators require a combination of coverages to stay protected.
A complete daycare insurance policy may include:
- Commercial general liability
- Property insurance
- Professional liability (errors & omissions)
Additional protections, such as abuse liability or cyber coverage, can be added at your discretion.
What does daycare insurance cover in Quebec?
Daycare insurance in Quebec typically includes liability, property, and professional coverage for childcare operations.
A standard policy can protect against injuries involving children, property damage, theft, and risks related to daily activities or supervision.
Additional coverage may include abuse liability, cyber insurance, and business interruption.
Do you need insurance to run a home daycare in Quebec?
While it’s not legally mandated to have home daycare insurance in Quebec, it is highly recommended.
Like with any business, running a daycare comes with certain risks.
Having these insurances not only protects you from significant financial losses, but also enhances trust with parents, ensuring that you are prepared for any unexpected incidents.
Given the unique risks associated with childcare, comprehensive insurance coverage is important to maintain a safe and reliable daycare operation, and to financially protect your personal assets.
So, while it’s not mandatory, obtaining insurance is a smart measure for anyone operating a home daycare.
How much does daycare insurance cost in Quebec?
Daycare insurance costs depend on factors such as the number of children you’re minding, location, coverage limits, and type of daycare (home-based or commercial).
In Quebec, premiums can range from a few hundred dollars per year for small home daycares to several thousand dollars for larger facilities.
A broker can help compare quotes and find the best insurance rate for your daycare.
We’d be happy to help.
What types of insurance does a daycare need?
Most daycare operators require a combination of coverages to stay protected.
A complete daycare insurance policy may include:
- Commercial general liability
- Property insurance
- Professional liability (errors & omissions)
Additional protections, such as abuse liability or cyber coverage, can be added at your discretion.