Business Details
Trusted Child Care Insurance Solutions in Florida
Florida Day Care Insurance specializes in tailored insurance solutions for child care providers, offering comprehensive coverage for both in-home and commercial daycare operations. With a focus on compliance and affordability, we provide general liability, property, transportation, and workers' compensation policies designed to meet the unique needs of the childcare industry. As a subsidiary of Ostrander Risk, we combine industry expertise with personalized service to ensure daycare providers have the protection they need.Our partnerships with state coalitions and non-profits reflect our commitment to enhancing community welfare while maintaining regulatory compliance. We pride ourselves on delivering transparent, client-focused support, including guidance on licensing and policy customization, to help businesses thrive with confidence.
Services
General Liability
Property Coverage
Commercial Auto
Workers Compensation
Professional Liability
Business Interruption
Student Accident Medical
Abuse & Molestation
Transportation Coverage
Non-Owned Auto Liability
Highlights and features
- We offer exclusive Assure Child Care policies designed specifically for Florida daycare providers
- Our team provides compliance guidance with Early Learning Coalition requirements
- We specialize in child care insurance with tailored coverage options
- We deliver nationwide daycare insurance solutions beyond Florida
- Our service includes expert policy customization and licensing assistance
What people say
Affordable and effective
Guided through policies
Lifesaver coverage
Unmatched service
Necessary coverage
Services
General Liability
Protects against claims of bodily injury or property damage occurring at your facility. Covers legal defense costs and provides financial protection for accidents involving children in your care. Essential for both in-home and commercial daycare operations.
Workers Compensation
Covers medical expenses and lost wages for employees injured on the job. Required in Florida for businesses with four or more employees. Provides financial protection against workplace injury claims while supporting employee recovery.
Property Coverage
Covers damage to buildings, equipment, and childcare supplies from fire, theft, or natural disasters. Includes replacement cost value for property and protection for indoor/outdoor equipment with customizable deductible options.
Commercial Auto
Provides coverage for daycare-owned vehicles and transportation activities. Includes liability protection for school buses, vans, and cars used for field trips or student transportation with customizable coverage limits.
Student Accident Medical
Covers medical expenses for children injured at your facility. Provides supplemental protection beyond general liability policies with $25,000 per child coverage limits and no aggregate maximum for unexpected medical emergencies.
People
Matt Ostrander
Founder & CEO
As founder of Florida Day Care Insurance, Matt Ostrander brings decades of insurance expertise to childcare providers. He established the company to address specific industry needs with tailored coverage solutions.
Jeff Kostiha
President
Jeff Kostiha oversees daily operations as President, leveraging extensive experience in commercial insurance to develop comprehensive daycare policies that balance protection and affordability.
Tonya Sevier
Accounting
Tonya Sevier manages financial operations with precision, ensuring smooth policy administration and client billing processes for Florida Day Care Insurance's growing client base.
Questions
Does homeowners insurance suffice for in-home daycare operations?
Personal homeowners insurance typically doesn't cover business-specific items or liabilities. We recommend specialized daycare coverage for complete protection.
Can you provide insurance for daycares outside Florida?
Yes, we're licensed to write daycare insurance policies nationwide through our sister company America's Day Care Insurance.
Is workers' compensation required for small daycare operations?
In Florida, workers' comp is mandatory with 4+ employees, but we recommend it for medical expense protection regardless of staff size.
What does Professional Liability insurance cover?
Professional liability coverage protects against claims of negligence, improper supervision, or failure to deliver promised services.
Why is Abuse & Molestation coverage essential?
This critical coverage protects against allegations of misconduct, providing legal defense and settlement costs for vulnerable childcare environments.
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