Virginia Day Care businesses pay $115–$575/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Virginia Beach | $132–$661/mo | Compare → |
| Norfolk | $127–$633/mo | Compare → |
| Chesapeake | $127–$633/mo | Compare → |
| Richmond | $132–$661/mo | Compare → |
| Newport News | $124–$621/mo | Compare → |
| Alexandria | $155–$776/mo | Compare → |
| Hampton | $124–$621/mo | Compare → |
| Roanoke | $115–$575/mo | Compare → |
| Portsmouth | $121–$604/mo | Compare → |
| Suffolk | $121–$604/mo | Compare → |
| Fairfax County | $161–$805/mo | Compare → |
| Prince William County | $138–$690/mo | Compare → |
| Loudoun County | $155–$776/mo | Compare → |
| Chesterfield County | $127–$633/mo | Compare → |
| Henrico County | $132–$661/mo | Compare → |
| Arlington County | $161–$805/mo | Compare → |
| Montgomery County | $115–$575/mo | Compare → |
| Roanoke County | $115–$575/mo | Compare → |
| Stafford County | $132–$661/mo | Compare → |
| Spotsylvania County | $127–$633/mo | Compare → |
Day Care businesses in Virginia typically pay $115–$575/month for business owner's policy (bop). Rates vary by city, revenue, employee count, and claims history.
Virginia doesn't legally mandate business owner's policy (bop) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Business Owner's Policy (BOP) bundles general liability and commercial property into one cost-saving package. For Day Care businesses, key covered scenarios include: Third-party bodily injury claim; Property damage liability; Employee workplace injury.
Top exposures: (1) Third-party bodily injury claim, (2) Property damage liability, (3) Employee workplace injury, (4) Professional error or omission.
Top carriers in Virginia for Social & Community Services businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Day Care policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Virginia cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.