Daycares & preschools.

Daycares & preschools is reviewed case by case in Hedge's current published wholesale appetite for licensed retail insurance brokers. Licensed daycares and preschools, ages 2+. Infant care referred separately. Published target coverage includes General Liability with a published target of $1M / $2M, Abuse & Molestation with a published target of $1M sub-limit, and Professional Liability with a published target of $1M. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

NAICS 624410

Also known as child care, early learning

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Coverage

Published target coverage.

These are starting-point lines and limits for a daycares & preschools submission. Hedge confirms current fit, route, and available terms after account review.

General Liability $1M / $2M General Liability wholesale → Abuse & Molestation $1M sub-limit Abuse & Molestation wholesale → Professional Liability $1M Professional Liability wholesale → Commercial Property $2M / loc Commercial Property wholesale →

Knowledge graph

Go deeper by coverage and packet.

Use the narrowest guide for the question. Coverage pages explain the line for this class; the submission guide organizes the first packet.

$1M / $2M General Liability for daycares & preschools Coverage context, underwriting facts, forms, and preparation guidance. $1M Miscellaneous E&O for daycares & preschools Coverage context, underwriting facts, forms, and preparation guidance. $2M / loc Commercial Property for daycares & preschools Coverage context, underwriting facts, forms, and preparation guidance.

Submission preparation

What to submit for daycares & preschools

Open class checklist →

Sweet spot

Where this fits cleanly.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

01 Licensed centers, ages 2-5

02 Background checks + fingerprinting

03 No transportation

Submission

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

01State license + capacity
02Age ranges accepted
03Background check process
04Staff-to-child ratios
05Transportation services?

Adjacent classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction

FAQ

Common questions.

Does Hedge write daycares & preschools?

Case by case. Daycares & preschools may fit, but the specific file needs the extra detail in the Submission section before Hedge can confirm a route. Licensed daycares and preschools, ages 2+. Infant care referred separately.

What does Hedge need to quote daycares & preschools?

State license + capacity; Age ranges accepted; Background check process; Staff-to-child ratios; plus 1 more standard item. These items support placement review, but an underwriter may request more.

Why is daycares & preschools edge for Hedge instead of a clean yes?

Daycares & preschools can fit, but specific files vary. The Sweet spot section lists the strongest starting profile. Send the file with the Submission items so Hedge can confirm current fit, route, and any additional underwriting requirements.

Does Hedge write daycare?

Daycare is one way brokers describe daycares & preschools, and the same case-by-case guidance applies. The Sweet spot section covers the strongest starting profile. Send the file with the Submission items for placement review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED 2026-08-24 · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC CA LICENSE #6018729 NPN 22154671