Child Care Insurance Program

Included Coverages

Abuse or Molestation Liability Coverage (Including Sexual Misconduct or Sexual Molestation)

Accounts Receivable $25,000

Arson, Theft or vandalism Reward Up to $7,500

Back-up of Sewers and Drains $25,000

Business Income & Extra Expense Actual Loss Sustained: up to 12 consecutive months

Business Personal Property $250,000 at Newly Acquired Locations

Data Media & Computer Equipment $5,000

Data Processing Equipment $20,000

Data Processing Extra Expense $5,000

Employee Dishonesty $15,000

Fine Arts $5,000

Fire Department Service Charge $25,000

Fire Protection Device Recharge $3,000

Glass $5,000
(no limit per plate, pane, unit, etc.)

Money & Securities, Theft, Disappearance and Destruction
Inside: $15,000
Outside: $5,000

Newly Acquired or Constructed Buildings $500,000

Ordinance or Law Coverage Included

Outdoor Fences & Playground Equipment $10,000

Outdoor Property $ 5,000, limited to $500 per tree, shrub, or plant

Personal Effects & Property of Others $5,000

Property In or On a Vehicle or On Exhibition $5,000

Sexual Misconduct or Sexual Molestation Liability Included

Signs $10,000

Valuable Papers & Records $25,000

Optional Coverages

Child Care Legal Liability Coverage Form Enhancement Endorsement>
Covers the child care center and its employees, volunteers and board members for legal liability that stems from acts, errors or omissions in the course of child care duties. The Child Care Legal Liability Coverage Form Enhancement Endorsement:

eliminates the discrimination exclusion
includes coverage for punitive damages where insurable by law
Added Defense Costs Coverage (For Those Wrongfully Accused of Abuse or Molestation including Sexual Misconduct or Sexual Molestation)

Care Pak Plus (property)

Business Income	Actual Loss Sustained-12 Consecutive Months
Fire Dept.Service Charge	$25,000
Claim Preparation Expense	$25,000
Lock Replacement	$2,500
Fire Protection Device Recharge	$25,000
Arson, Theft or Vandalism Reward	$10,000
Newly Acquired or Constructed Buildings	$1,000,000
Business Personal Property at Newly Acquired Locations	$500,000
Personal Effects and Property of Others	$10,000 Total; $2,500 Per Person
Outdoor Property	$10,000 Total $1,000 for any one Tree, Shrub or Plant.
Outdoor Fences	$10,000
Playground Equipment	$50,000
Property In or On a Vehicle	$5,000
Other Structures	$5,000
Outdoor Signs	$10,000
Debris Removal	$50,000
Pollutant Clean-Up and Removal	$25,000
Spoilage	$50,000

Return

Abuse or Molestation Liability Coverage	(Including Sexual Misconduct or Sexual Molestation)
Accounts Receivable	$25,000
Arson, Theft or vandalism Reward	Up to $7,500
Back-up of Sewers and Drains	$25,000
Business Income & Extra Expense	Actual Loss Sustained: up to 12 consecutive months
Business Personal Property	$250,000 at Newly Acquired Locations
Data Media & Computer Equipment	$5,000
Data Processing Equipment	$20,000
Data Processing Extra Expense	$5,000
Employee Dishonesty	$15,000
Fine Arts	$5,000
Fire Department Service Charge	$25,000
Fire Protection Device Recharge	$3,000
Glass	$5,000 (no limit per plate, pane, unit, etc.)
Money & Securities, Theft, Disappearance and Destruction	Inside: $15,000 Outside: $5,000
Newly Acquired or Constructed Buildings	$500,000
Ordinance or Law Coverage	Included
Outdoor Fences & Playground Equipment	$10,000
Outdoor Property	$ 5,000, limited to $500 per tree, shrub, or plant
Personal Effects & Property of Others	$5,000
Property In or On a Vehicle or On Exhibition	$5,000
Sexual Misconduct or Sexual Molestation Liability	Included
Signs	$10,000
Valuable Papers & Records	$25,000