This program is intended for licensed Day Care Centers, Before and After School Programs, Sick Child Day Care, and assorted other Child Care services associated with other organizations (hotels, clubs, YMCA, churches, etc).

Underwriting and Rating Considerations

• Up to $5MM Limit Property TIV limit
• Eligible if less than 20 years old (submit older)
• Up to $1MM/$2MM Limit (Umbrella/Excess available)
• Rated on a per child basis (average daily attendance)
• Sexual/Physical Abuse Included at $100,000/$300,000
• Errors and Omissions included
• Overnight child care eligible, subject to a surcharge
• Swimming or Wading Pools may be covered for an additional surcharge for limits up to $100,000/$200,000
• Prohibited operations: Unlicensed or unregistered centers not in compliance with state regulations, swimming pools not fenced with self-latching gate, trampolines, hired/non-owned auto, foster care, gymnastic schools, and inflatable amusement devices