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Childcare Insurance

Livonia, Farmington Hills, Michigan


Whether you care for a few children in your home or operate a commercial childcare center for 200+ children, the risks are similar.  A child’s injury or the mere accusation of abuse can ruin you and your business unless you have the proper insurance.


Insurance needs of those in the childcare business are unique and require an insurance company with expertise.  At Insurance Planning Service, we represent “A-rated” insurance companies that are licensed in Michigan and offer coverage forms that are custom designed to meet the special requirements of childcare businesses.

Here are some of the benefits we offer:

  • General Liability with occurrence limits to $1,000,000 – can include abuse & molestation to full policy limit
  • Medical Payments of $10,000 including coverage for the children
  • Umbrella Liability limits to $10,000,000 – does not exclude abuse & molestation
  • Commercial Auto – for vans, buses or other vehicles
  • Workers Compensation
  • Property Coverage for your building or business personal property

BlocksAt Insurance Planning Service, we understand the needs of the childcare business.  Let our knowledgeable staff work with you to tailor an insurance program for your business.

Be sure to ask us about other important parts of your insurance program, including: Commercial Auto; General LiabilityCommercial PropertyWorkers CompensationUmbrella Liability Bonds

Getting a Quote is Quick and Easy!

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One of our dedicated representatives will contact you shortly!

HAPPY 4th of JULY!

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Lighthouse Group Main Office in Grand Rapids, MI
Mailing Address | P.O. Box 530009, Livonia, MI 48153

Phone: 734.421.9900 | Toll Free: 800.220.5582 | Fax: 734.421.9911

Also serving these Detroit area communities in Michigan: Livonia, Farmington Hills, Ann Arbor, Southfield, Plymouth, Canton, Westland, Northville, Novi, Dearborn, South Lyon & Walled Lake