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Daycare Facility Insurance in Belleville and Swansea, IL

Daycare facilities are presented with a unique set of risks and require specialized attention. If a child is injured or your property is damaged, you need to know that you are protected. Steck-Cooper & Co. has program options tailored to meet the specific needs of the daycare industry. We work with individual clients to provide an enhanced policy that protects your business at a fair price.   

Daycare Facility Insurance Coverage Details

Injuries, property damages, and automobile accidents are just three of the risks that daycare operators face. These and other risks require protection that is appropriate, and we’ll help you find coverages that provide appropriate protection. We’ll also ensure that the policy that you purchase fits. 


Here is a list of some of the coverages available through Steck-Cooper & Co:

  • Property
  • General Liability
  • Commercial Auto
  • Professional Liability
  • Crime
  • Directors & Officers Liability (Not-for-Profit)
  • Employment Practices Liability
  • Umbrella
  • Workers Compensation
  • Student Accident & Health
  • Professional License Review
  • Abduction
  • Abuse/Molestation
  • Water Activities
  • Dog/Cat Liability


There are many different types of childcare facilities, and each of these requires different insurance. Eligible operations include:

  • In-home centers
  • Group or commercial centers
  • 24-hour operations
  • Preschools
  • Drop-in centers
  • Head start programs
  • Latchkey
  • Before-and-after-school programs

Many insurance policies for daycare facilities do not provide adequate coverage to protect their specific exposures.  Give us a cal or Just ask an agent to schedule a review of your current policies.

The insurance needs of daycare businesses are different from state to state. We serve Illinois and Missouri and we know the needs of daycare businesses in these states. Whether your operation is in St. Louis, Chicago, or Belleville, we’re here to help you.

We consult one-on-one with our clients to identify their specific exposures and provide them with a comprehensive and competitive solution.

Tips for Childcare Providers

  • Conduct background checks
  • Keep the journal up-to-date
  • Keep the procedural manual current
  • Continue education
  • Report but don't handle the claim
  • Turn down that water temp!
  • Use sprinklers to cool off in the summer
  • Practice proper lifting techniques
  • Dogs, cats, and kids – watch out!

Please contact us or give us a call to learn more.  You can request a quote to get started.

Additional Daycare Facility Insurance Information:


We’re proud to provide daycare facility insurance in Belleville, Swansea, O’Fallon, Fairview Heights, Shiloh, and Alton, IL.  We also serve other areas in the state and we serve Missouri and other states.

Our Location

Steck-Cooper & Co.

2810 Frank Scott Pkwy W Suite 804
Belleville, IL 62223
Main office: 618-277-6650

Our Providers

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.