We offer limits up to $1 million per occurrence/$3 million aggregate.  Per occurrence is the maximum amount the insurance carrier will pay for each covered claim.  Aggregate is the maximum amount they will pay for all covered claims combined.

Umbrella Liability Insurance

Umbrella Liability insurance provides additional protection that takes effect after you’ve gone above the limits of your General Liability or Automobile Liability insurance. We offer limits up to $10 million.

Other Liability Insurance

Corporal Punishment Liability: Defends you against allegations of corporal punishment to the children in your care, even when groundless, false, or frivolous. Many insurance policies don’t offer this much-needed coverage.

Sexual Abuse and Molestation Liability: Offers critical coverage for situations that can be explosive. Our claims staff has expertise in handling these types of claims and is sensitive to the needs of all parties involved.

Child Care Providers and Teachers Professional Liability: Allows teachers and providers to perform their professional duties without fear of devastating lawsuits, defense costs, and judgments. Without it, you could end up footing the bill alone.

Child Abduction Liability: Pays reasonable and necessary covered expenses the school or center and the child's parents incur to recover the child.

Special Events Liability: Protects you from liability during field trips, fund-raisers, and other special events. Our insurance carriers don’t make you buy a separate policy for most special activities.

Volunteers as Additional Insureds: When your facility uses volunteers, they’re acting on your behalf. This insurance defends their unintentional negligent acts as it defends those of your employees.

Property Insurance

If you own the building that houses your child care facility, you need property insurance to protect both your building and its contents. If you rent, you need property insurance to cover your valuable equipment. Coverage is available on a special cause of loss basis, which means you’re covered for events like fire, burglaries, vandalism, and even frozen pipes.

Systems Breakdown: Protects you when any mechanical, electrical, or pressure system breaks down. This includes heating and air conditioning systems, computers, boilers, refrigerators, hot water heaters, and telephone systems.

Crime: Covers you if an employee steals money, securities, or other property.

Communicable Disease and Food Contamination: Additional coverage that can be included when Business Income is purchased.

Commercial Property Plus Extension: Additional limits and extensions for coverages such as Accounts Receivable, Employee Dishonesty, Ordinance or Law, and Utility Services.

Key Employee Replacement:  Helps you get back to business as quickly as possible following the loss of a key staff member. Provides the funds for a temporary replacement, and to find a qualified permanent replacement.

Accident Medical Insurance

Accident Medical insurance will pay children's medical bills if they are injured at your facility or during activities you sponsor and have no insurance of their own, or their bills exceed what their insurance pays. You can think of Accident Medical insurance as a goodwill gesture—by paying a child's medical bills now, you may be able to avoid a lawsuit later.

Automobile Insurance

Automobile insurance provides complete liability and physical damage coverage for the owned, leased, non-owned, and hired automobiles (such as vans, pickups, and buses) used at your facility. Limits up to $1 million available.

Policy terms and conditions are only briefly outlined here. For complete policy provisions, terms, and conditions, please refer to the policies themselves.