Child Care Insurance

Your child care operation faces unique liability and property risks. Because you provide a safe, secure, nurturing and fun environment for children in your care, we offer our specialized child care insurance program for licensed child care providers (in-home ineligible).

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Please call or email Kevin Morency if you have any questions.

By taking the time to discuss your needs, Kevin can tailor an affordable business insurance solution that offers peace of mind, yet still deliver a quote quickly.

Specialty Insurance for Licensed Child Care Operations

Liability

General Liability

• Limits up to $1 million per occurrence/$3 million aggregate – occurrence, not claims-made
• Automatically includes Childcare Professional Liability
• Premises & Operations
• Products & Completed Operations
• Personal & Advertising Injury
• Damage to Premises Rented to You (Fire Legal)
• Medical Payment Expenses coverage of $10,000 per student
• Medical Payment Expenses coverage for volunteers
• Defense Costs outside the limit of liability
• No Liability deductibles (BI or PD)
• Abduction coverage without BI or PD – $50,000
• Professional License Review – $2,500 per review / $5,000 aggregate
• Volunteers as Additional Insureds
• Building Owner as Additional Insured

Optional Coverages:

• Abuse & Molestation Coverage
• Water Activities Coverage
• Employment Practices Liability (stand-alone policy available)
• Employee Benefits available up to $1 million (claims-made coverage)

Property:

• Business Income – Actual Loss Sustained – including tuition and fees (no waiting period or deductible)
• Communicable Disease / Water Bourne Pathogen (Business Income) – $50,000
• Computers and Media – $25,000 (higher limits available)
• Covered Property in the Open – up to 1,000 feet from premises
• Spoilage – $10,000
• Employee Theft (including Employee Benefit Plans) – $5,000 (higher limits available)
• Extra Expense – Actual Loss Sustained
• Fine Arts – $25,000
• Forgery and Alteration – $5,000
• Money and Securities (inside / outside) – $15,000 / $7,000 (higher limits available)
• Ordinance or Law Coverage – if RCV coverage applies
• Outdoor Fences – included
• Outdoor (attached) Signs – included
• Outdoor (detached) Signs – $10,000 (higher limits available)
• Personal Property of Others – $25,000
• Property at Conventions, Fairs or Exhibitions – $50,000
• Property in Transit – $25,000
• Utility Services Direct Damage, including overhead transmission lines – Full Coverage
• Equipment Damage for electrical and mechanical system malfunction
• Valuable Papers and Records – $250,000
• Water Back Up; Sump Pump Overflow – $25,000
• Workplace Violence – $100,000

Optional Coverages:

• Abuse & Molestation – Included in IL
• Water Activities Coverage
• Directors & Officers (Not-for-Profit)
• Employment Practices Liability (stand-alone policy available)
• Employee Benefits available up to $1 million (claims-made coverage)
• Workers Compensation

Umbrella Coverage:

• Umbrella – limits up to $10,000,000
• Optional Abuse & Molestation

Auto, Van & Bus Coverage

• Commercial Vehicle Coverage
• Hired Auto Liability
• Non-Owned Auto Liability

Loss Preventions Services Include:

• Reality Alerts – information based on claims we see often and how to avoid them
• Facility Walkthroughs
• Employee and Volunteer Training

Requirements for this child care program:

• Must be Licensed or Certified Childcare Operations (Registered in Iowa)

Exclusions:

• Trampolines

Affordable Insurance Coverage

Flexible Payment Terms—Pay as little as monthly

Choose the payment option that fits your budget. Because sometimes a smaller monthly payment is easier on you.

• Annual
• Semi-annual
• Quarterly
• Down payment plus 9 equal payments (10 payments)
• Monthly (12 payments)

Convenient, No Interest Payment Options

Pick the method that works best for you…

• Electronic funds transfer—$1 fee per installment
• Online or by phone—$7 fee per installment
• Charge to credit card—$7 fee per installment

Prefer to Manage Only One Bill?

Complete coverage may be available for your business insurance needs in one comprehensive insurance package.

Call or email Kevin Morency today and receive a quick turnaround on your quote.

Note: Some payment options may not be available in all states.

We appreciate the opportunity to become your insurance advisor.