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Running a daycare is much more than welcoming children: it means taking on great responsibilities in terms of safety, health and management. Specialized insurance protects you in the event of an incident, complaint or damage. Offered by insurance brokers, it allows you to comply with legal standards while protecting your establishment. Get quotes online now.
Daycare insurance aims to protect your daycare service against situations that can have a major impact on your operations: on-site incidents, property damage, responsibilities to parents, or service interruption. To get an online quote, it is helpful to have some information on hand (type of daycare, number of children, schedules, location, safety measures, etc.). On this page, you can start a claim quickly and understand what to look for in a quote to choose the right coverage — in minutes, depending on the information available.
IN BRIEF
Daycare insurance (daycare and private)
Educational daycares in Quebec are subject to the Ministère de la Famille and must hold a minimum RC of $2 million. Covers child injuries, abuse allegations, transportation (outings), and building.
Essential guarantee: professional liability for childcare including defence in the event of an allegation. The defence cost alone can be as high as $50,000 before any settlement. This warranty must be included, not optional.
Why is childcare-friendly insurance essential?
- Liability in the event of a child accident : injuries, falls, food poisoning, etc.
- Complaints or lawsuits : legal coverage in the event of a claim by parents.
- Damaged properties : fire, water damage or breakage caused by children.
- Employees : Coverage for workplace accidents or professional errors.
- Regulatory compliance : Many jurisdictions require proof of insurance.
Recommended Coverages for Daycares
| Guarantee | Description |
|---|---|
| General Liability | Protects against bodily injury or property damage caused to third parties. |
| Legal protection | Covers lawyers’ fees in the event of a dispute or claim. |
| Building and contents insurance | Covers movable and immovable property in the event of fire, theft or damage. |
| Children’s accidents | Provides compensation in the event of an accident that occurs during on-call hours. |
| Employee insurance | Protects in the event of injury, assault or occupational disease. |
Why use a daycare insurance comparator?
- Access multiple insurers in a single step.
- Get clear and personalized quotes.
- Avoid duplicates or gaps in coverage.
- Support from brokers specializing in childcare services.
- Free, fast and non-binding service.
Which insurers offer coverage tailored to daycares?
| Insurer | Specialized daycare | Competitive rates | Customer service | Flexibility of guarantees |
|---|---|---|---|---|
| Intact | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
| The Unique | ⭐⭐⭐⭐☆ | ⭐⭐⭐☆☆ | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
| Promutuel | ⭐⭐⭐☆☆ | ⭐⭐⭐⭐☆ | ⭐⭐⭐☆☆ | ⭐⭐⭐☆☆ |
| Aviva insurance | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
| Economic | ⭐⭐⭐☆☆ | ⭐⭐⭐☆☆ | ⭐⭐⭐☆☆ | ⭐⭐⭐☆☆ |
FAQ childcare service
Est-ce que l’assurance garderie est obligatoire au Québec?
Yes, liability insurance is required for any government-recognized or subsidized daycare.
Que couvre une assurance garderie typique?
It covers children’s accidents, civil liability, lawsuits, property damage, as well as your employees.
Est-ce que je peux couvrir une garderie en milieu familial?
Yes, insurance is designed specifically for family daycares with coverage tailored to their reality.
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