Day Care

Comprehensive Insurance for Commercial and Residential Child Care Facilities and Nursery Schools

We have multiple markets available to handle most risks:

• most day care risks are $33 per child
• most schools are $11 per child
• minimum premiums start at $500

Coverage Features

• Professional Liability for no additional charge
• Child Molestation and Abuse limits up to the GL limit with no Liability Deductible (Commercial) includes Directors and Assistant Directors
• Abuse definition includes corporal punishment
• Medical Payments for enrolled students included
• Defense Cost Reimbursement for false molestation or Abuse allegations
• Hired and Non-Owned Auto Coverage
• Coverage for facilities with special needs children
• Coverage for facilities with pets and field trips
• Coverage for extended stay, overnight and/or “drop in”
• Theft and Replacement Cost available
• Equipment Breakdown coverage including spoilage of perishable items
• Value Plus Endorsement available