Child care businesses have a unique needs for their challenges and risks.

Our program is designed to provide superior coverage for the following Child Care Facilities:

• Group Child Care Centers
• Child Care Providers (Family Child Care Centers)
• 24 hour Child Care Centers
• Pre-School
• Headstart
• Latchkey Operations
• Drop-in Centers

In addition to typical commercial insurance coverages, the following are additional coverages included in the program:

• $ 10,000 Accounts Receivable Coverage: On Premises
• $ 5,000 Accounts Receivable Coverage: On Premises
• Business Income and Extra Expenses are included on an actual loss sustained basis with a 12 month limitation
• Business Income due to the actions of a civil authority
• $ 5,000 Business Income from Dependent Properties
• Glass coverage for the building owner, optional for the tenant
• Collapse of the building
• Damage caused by utility services
• Debris Removal
• Equipment Breakdown Coverage
• Electronic Data Replacement Coverage
• $ 2,500 Fire Department Service Charge
• $ 5,000 Fire Extinguisher Systems Recharge Expenses
• $ 2,500 Forgery & Alteration
• Interruption of Computer Operations
• $ 1,000 Money Orders/Counterfeit Paper Currency
• $ 2,500 Outdoor Property
• $ 10,000 Personal Property Off Premises
• $ 2,500 Personal Effects of the Owner & Employees
• $ 10,000 Valuable Papers & Records Recreation Expenses: On Premises
• $ 5,000 Valuable Papers & Records Recreation Expenses: Off Premises

Higher limits are available. Above limits are limited by either the Business Personal Property Limit or the above listed limits, whichever is less.

Optional Coverages

• Hired & Non-Owned Automobile Liability
• Employee Benefit Liability
• Limited Abuse & Molestation Coverage
• Errors & Omissions/Professional Liability
• Limited On-Premises Water Activities: Family Child Care ($ 150,000 per occurrence / $ 150,000 aggregate limit)
• Limited Dog Coverage: Family Child Care ($ 50,000 per Occurrence/$ 50,000 aggregate limit)
• Umbrella Liability Coverage from $ 1,000,000 to $ 5,000,000. (Abuse & Molestation coverage available for the 1st $ 1,000,000)