Childcare
Accidents often follow children wherever they go, therefore it is vital to obtain the right child care insurance program, either for a commercial or residential child care center. If a child is injured while under the care of the program, the parents might sue the center if they believe the injury was the result of the negligence of the center or the staff. Whether it’s a medical injury on the playground, an accident on a field trip, emotional distress of a parent, or charges of abuse or molestation, the right program needs to protect the Child Care business.
Exposure
Claims can stem from emotional distress, failure to render professional service in the administration of their program, and physical injury and can often result in
- Costly litigation
- Damage to the center’s reputation
- Significant defense costs
- Distraction from the business
Types of Risks Covered
- Children’s Camps
- Head Start Programs
- Nursery Schools
- Commercial Children’s Daycare Centers
- In-Home Children’s Daycare Centers
- Foster Care Homes
Capabilities
- All types of child care centers in all states, particularly hard to place, unique, and new operations that standard insurers are unwilling or unable to consider
- Comprehensive coverage for both commercial and residential child care facilities and specializes in placing risky child care center coverage.
- Our General Liability coverage offers hard-to-find liability coverages such as risks involving intellectually disabled children.
- Our Property coverage can protect your client from potential instances such as windstorms or fires.
Significant Coverage features
- Child abuse or molestation
- General Liability covers mental anguish or emotional distress
- Medical payments
- 24-hour commercial child care facilities and drop-in centers
- Children with special needs, pets, and field trips
Eligible Risks under General Liability
- Risks with pets
- Risks with off premise swimming activities at public pools
- Risks with wading pools 24 inches in depth or less
- Risks with special needs children
- Risks that are 100% drop in centers
- Risks with extended hours or overnight care
- No more than two losses or claims (excluding closed without payment) incurred in the past three years
Eligible Risks under Property
- Risks with property limits of up to $3,000,000 in protection class 1-8 ($500,000 if cooking)
- $1,000,000 in protection class 9 –10 ($200,000 if cooking)
- $500,000 in coastal zones (Florida $250,000) (Wind exclusion applies)
- No more than two losses or claims (excluding closed without payment) incurred in the past three years
- Professional Liability at no additional charge
- Child Molestation or Abuse limits up to the General Liability Limit with no Liability Deductible (Commercial)
- $5,000 of Medical Payments coverage at no charge
- Defense Cost Reimbursement coverage for filed Child Molestation and/or Abuse allegations against the facility owner
- Employees including Directors and Assistant Directors as insureds under Child Molestation and/or Abuse Coverage (Commercial)
- Non-Owned and Hired Auto coverage
- Coverage for facilities that care for children with special needs or “drop in” centers
- Coverage for facilities with pets and field trips
- Coverage for extended hour and overnight commercial Child Care facilities
- Value Plus Endorsement is available on accounts eligible for Special form offering 14 optional coverages for one low flat charge including: Signs, Money & Securities, Employee Dishonesty, Accounts Receivable coverage and more coverages
- Special Form and Replacement Cost coverage
- Equipment Breakdown coverage
What We Need
- Completed Acord Application or our Childcare Application signed by the insured within 21 days of inception
- Completed system produced application signed by insured within 21 days of inception
- Completed application from another company as long as all underwriting information requested has been obtained. Application must be signed within 21 days of binding
- Representation of incurred loss history for the past three years
