Utah Daycare Insurance: What Licensing Requires
Short answer: Utah licensed child care centers are required to carry general liability coverage — commonly $300,000 per occurrence — with proof available to Child Care Licensing, and home-based programs should never rely on homeowners insurance, which excludes business activity. Cubby is Utah-based: we quote Wasatch Front centers and home daycares same day, from about $40/month for family child care.
Utah Requirements at a Glance
| Program | Expectation | Notes |
|---|---|---|
| Licensed centers | General liability, commonly $300K per occurrence | Proof for Child Care Licensing; verify your license type's current rule |
| Licensed family child care | Dedicated home daycare policy | Homeowners/renters insurance excludes daycare claims |
| Staff | Workers compensation | Required for Utah employees |
| Transport programs | Commercial auto | Personal auto policies exclude business transport |
Verify current rules with Utah Child Care Licensing — we confirm the current requirement for your exact license type on every quote.
The Utah Market, From Inside It
Utah has one of the highest shares of young families in the country, and the Wasatch Front's child care demand shows it: full centers, long waitlists, and a wave of new home daycares and preschools opening every year. Most of them get insured by whichever generalist agent answered first. Cubby was built to be the other option — every specialty child-care carrier sees your file the same day, which is how Utah providers switching to us average 30% savings.
Opening a New Utah Program?
Utah's licensing process asks for your paperwork in a specific order, and insurance is one of the pieces that can hold up an otherwise-ready application. We insure opening-soon programs routinely: quote today, bind when you're ready, certificate to licensing the same day. If you're starting a home daycare, read the home daycare guide first — it covers the homeowners-insurance trap and what a policy actually costs.
What a Complete Utah Package Looks Like
- General liability at $300K+ — many Utah centers step up to $1M for lease and church-building requirements.
- Abuse & molestation coverage with limits shown in writing — the line that matters most.
- Professional liability and accident medical.
- Workers comp rated for Utah child-care class codes.
- Commercial auto for transport and field trips.
Talk to a Utah Specialist Today
We're in your time zone and your market. New license, renewal, or a quote that felt high — start your quote and hear back today.