D&O insurance for daycare boards helps protect Ontario directors against claims involving governance decisions, employment matters, regulatory investigations and oversight failures. Learn why commercial general liability may not protect individual board members and what non-profit daycare operators should look for when reviewing D&O coverage in 2026.

For Ontario daycare operators, abuse and molestation wording may now be more important than the limit itself. As more policies shift from occurrence wording to claims-made wording, renewal risk has changed. This blog explains the difference, why it matters for long-tail allegations, and the questions every operator should ask their broker before the next policy renewal.

Ontario’s CWELCC cost-based funding model has changed how licensed daycare operators must approach insurance costs. When renewal premiums rise against a restricted operating margin, coverage decisions become part of the centre’s broader financial strategy. Here is how operators can prepare earlier, review critical policy terms and build a more structured 90-day renewal plan.