Florida Day Care Insurance (FDCI) Child Care Insurance Specialists

” Division of A Plus Insurance”
Coverage • Compliance • Customer Service

Insuring Florida’s In-Home and Commercial Child Care Centers, FDCI is committed to providing superior coverage at an affordable cost.

Our unique policy options allow our child care providers to focus on their passion, while having the peace of mind that their business is covered from A-Z.

As a proud advocate and industry leader, FDCI works alongside numerous child care associations, state coalitions, and non-profit organizations to enhance the welfare of the community.


We’ve Built Our Business On It.
www.fdcins.com – website coming soon


In-Home Child Care — Liability

This insurance product targets risks related to providing child care services at a residential location.
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Liability Insurance Highlights (Assure Child Care)

  • Up to $ 3,000,000 limit
  • Child abuse and molestation
  • $250 deductible
  • Swimming Pools
  • Transportation Coverage (ELC Compliant)
  • No additional charge for ‘Additional Insureds’
  • Occurrence policy form
  • Neglect supervision/Professional liability
  • Accidental Medical Expense
  • Employees as insured’s
  • Coverage away from premises (field trips)
  • * Certificates of Insurance are available immediately upon purchase of policy*

To obtain an In-Home liability quote, click here for an application. Download and fax to (727) 446-5464, or scan and email to info@fdcins.com, or visit our website: Assure Child Care

Commercial Child Care

Liability, Auto, Workers Compensation, EPLI and Property

This insurance product targets risks related to providing child care services at a Commercial location. The location can be a residence; however, it cannot be where the owner/employees live.

Liability and accident insurance highlights

  • Up to $ 3,000,000 limit
  • Professional liability
  • Neglect/sexual abuse
  • Damage to premises rented
  • Coverage on or off premises (field trips)
  • Vicarious liability
  • Employees as insured’s

To obtain a Commercial Child Care Liability quote, click here for an application. Download and fax to (727) 446-5464, or scan and email to info@fdcins.com


*Commercial Auto

  • Up to $ 3,000,000 limit
  • School bus, van, car

*Workers Compensation

  • Mandated if employing 4 or more employees, regardless of full or part-time status
  • Premium regulated by state
  • Payroll services available


  • Up to $ 3,000,000 limit
  • Protects against unfair practices


  • Building coverage with or without wind
  • Contents coverage
  • Business Income
  • Playground Equipment

Student Accident

  • Up to $ (tbd) limit


 *= Mandated Coverage if contracting with an Early Learning Coalition

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