With over 80,000 child care operations nationwide, the number of children in day care, preschool, and after-school care is skyrocketing!

Not only is the number of children increasing, but so too is the LIABILITY for the care giver. 

Nothing is as precious to a parent than their child, and never before has the need for adequate insurance coverage become more essential, than in the area of child care.

We can offer more value for your insurance dollar and here is how:

• We can provide specific coverage such as professional liability for teachers, child abduction liability, sexual abuse coverage, and many more.
• Our in-house claims professionals have unmatched experience handling the very sensitive claims that involve children.
• We offer a comprehensive Risk Management and Loss Control program to every  client.
• We offer every client a quarterly newsletter that is timely to the Risk Management of current child care issues.
• We offer extremely competitive premiums.

COVERAGE HIGHLIGHTS:

We offer a one stop shopping center for the commercially operated day care center.

GENERAL LIABILITY

     This coverage provides payments for those sums you become legally obligated to pay because of damage to property of others or injuries to others that arises out of your premises  and operations.  While good liability coverage is essential for every business, child related businesses need specialized, high quality protection.

OUR POLICY OFFERS:

General Liability Limits up to $1,000,000 per occurrence / $3,000,000 aggregate

Teacher Professional Liability

Corporal Punishment Liability

Sexual Abuse  & Molestation coverage

Optional coverage's:

• Medical Personal Liability
• Child Abduction Liability
• Directors & Officers' Liability

KIDNAPPING COVERAGE

    This coverage provides payment for reasonable and necessary expenses incurred by a child care facility and a child's parents following a kidnapping of a child from a child care facility.

• Up to $50,000 per abduction
• Covered cost includes:
• Investigative fees
• Rewards
• Travel expense
• Medical services expenses

KEY EMPLOYEE REPLACEMENT COVERAGE

   This helps you get back on your feet as quickly as possible after the loss of a key employee.

• Up to $100,000
• Extra cost to perform  the key members normal job responsibilities while searching for a replacement
• Cost to find a qualified replacement

EMPLOYMENT PRACTICES LIABILITY

   This coverage protects the business owner from the threats they face from employees, such as:

• Sexual harassment
• Wrongful termination
• Employment discrimination
• Limits to $1,000,000

COMMERCIAL AUTOMOBILE

    This covers owned, leased, non-owned and hired automobiles, such as vans, pickups and buses used at your facility.

• Limits up to $1,000,000
• Complete liability, uninsured and under insured motorist, and physical damage
• Optional coverage for employees as insurers, rental reimbursement and loss of use for leased and rented vehicles

WORKERS' COMPENSATION  (PA ONLY)

    This coverage protects you for the medical expenses and lost wages of employees that result from injuries sustained arising out of and in the course of employment at your center.

ACCIDENT MEDICAL

    This coverage insures you against injuries or sickness sustained at your facility.  You can add staff as an option.

• Limits to $25,000
• Accidental Death & Dismemberment to $15,000

Get a quote!

The insurance policy, not summaries on this site, form the contract between the insured and the company. The policy contains limits, exclusions and limitations that are not detailed here. This information presented here is for informational purposes only.