In-Home Daycare Insurance Florida

Operating an In-Home Daycare in Florida (often called a “Family Day Care Home”) offers unique opportunities, but the Sunshine State has specific regulations and risks—from hurricane season to strict DCF (Department of Children and Families) licensing rules.

Here is a 2025 guide to protecting your Florida-based childcare business.

1. Florida Insurance Requirements

In Florida, insurance isn’t just a “good idea”—it’s often a regulatory requirement to maintain your license or participate in state programs.

• Liability Minimums: While Florida law (Section 402.313, F.S.) allows some small providers to operate without liability insurance if they provide written notice to parents, most providers opt for coverage to protect their personal assets.

• VPK & School Readiness: If you plan to offer the Voluntary Prekindergarten (VPK) or School Readiness programs, Florida requires a minimum of $100,000 per occurrence and $300,000 aggregate in general liability coverage.

• Workers’ Compensation: In Florida, you are generally required to carry Workers’ Comp if you have 4 or more employees (full or part-time). However, even with one assistant, it is highly recommended to protect against medical costs from workplace injuries.

2. Florida-Specific Risk Factors

When choosing a policy in Florida, you must look for coverage that addresses our unique environment:

• Transportation: If you pick up children from school or take them on field trips, your personal Florida auto insurance will not cover you. You need a “Hired and Non-Owned Auto” endorsement or a commercial auto policy.

3. Estimated Costs for Florida Providers (2025)

Florida premiums can be slightly higher than the national average due to litigation trends and weather risks.

Pro-Tip: Check with local Florida-based specialists like Florida Day Care Insurance (FDCI) or Assure Child Care, as they often bundle Florida-specific compliance requirements into their packages.

4. The “Homeowners Policy” Trap

Many Florida homeowners are currently facing rising insurance premiums and policy cancellations. Do not hide your business from your homeowners’ insurer. If they discover you are running an unlicensed or unendorsed daycare, they may cancel your entire home policy. Always ask for a “Home Daycare Endorsement” or buy a standalone commercial policy to ensure you are fully compliant.

5. Checklist for Florida Licensing

Before you buy, ensure your policy includes:

1. Abuse and Molestation Coverage: A must-have for Florida DCF compliance.

2. Accident Medical: Covers a child’s medical bills quickly without a lawsuit.

3. Additional Insured: The ability to add your landlord or a local Early Learning Coalition to the policy if required by your contract.

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