Insurance for Business Owners , includes general liability and property insurance is a more economical to purchase Property Insurance and General Liability to buy it separately.

General Liability Insurance covers physical injury and property damage that occurs during business hours or because of their business. If, for example, a child stumbles on the stairs and is injured, their parents can stand trial. Professional Liability insurance covers injuries to children in their care.
Professional Liability Insurance is extra, but says and you can use to conduct business.
Property insurance covers the entire business team, inside and outside of your care program.
Professional Liability Insurance insures you and your employees against losses that may arise from liability or negligence when they are doing their job. It is important to verify the difference in cost between the limits of liability. Usually, there is a difference of minimum cost for a higher liability coverage. abuse and sexual harassment are usually covered in your policy of Professional Responsibility, but check this with the person responsible for your insurance.

Coverage of sexual abuse and harassment by the loss assured, if one of its employees or others who are close to the children in your program or harasses sexually abuses a child in their care.
Workers’ Compensation Insurance is required in several states to all employees, and in some states is also required for the business owner, depending on the type of business. This insurance pays benefits when an employee is injured while working.