The Child Care Insurance Specialists
Cubby Insurance is a specialist agency that does one thing: insure child care businesses. Centers, preschools, home daycares, after-school and drop-in programs. We are part of the Vibe Insurance family of agencies, each built around a single industry so clients get an agent who already knows their business.
Why a Specialist Agency?
Child care is a niche insurance class with its own carriers, its own critical coverage (abuse & molestation — the one budget policies quietly exclude), and its own licensing requirements in every state. A generalist agent sells it occasionally; we place it every day. That difference shows up in three numbers:
- Same-day quotes. We know exactly what child-care underwriters need, so files go out complete and come back fast — usually the same business day.
- 100% placement. Every provider who has come to us has been offered coverage, including first-year programs and providers with a prior claim.
- 30% average savings. Multiple specialty carriers competing for your file beats one generalist market taking it or leaving it.
How We Work
You tell us about your program once. We shop it across the specialty child-care markets simultaneously, present quotes with the details that actually matter spelled out (abuse & molestation limits in writing, licensing-compliant liability limits, accurate comp classifications), and issue certificates the same day you bind — so licensing deadlines, landlord demands, and food-program enrollment never wait on paperwork. At renewal, we re-shop automatically.
The Vibe Insurance Family
Vibe Insurance operates specialist sister agencies for industries where generalist coverage fails business owners. Alongside Cubby Insurance, the family includes OnPost Insurance, serving security guard companies. Same model everywhere: specialists, same-day quotes, full-market shopping.
Talk to a Specialist
Whether you're renewing, opening your first program, or just discovered your policy excludes abuse & molestation — request a quote and a licensed specialist will reach out today.