Children are the light of our lives, however they can be a hassle when juggling all the other responsibilities in life, such as work. Many families opt to place their children in childcare, so that they can continue working.
Knowing your children are safe at the childcare is extremely important since there is a lot of trust placed in the employees. For childcare facilities, childcare insurance protects the business from many damages that may threaten it. Childcare insurance also includes liability insurance giving an outstanding amount of coverage on all fronts. Childcare insurance can cover a variety of properties, including daycares and nursery schools.
This insurance coverage can provide a comprehensive product for both commercial and residential Child Care facilities.
- IN-HOUSE BINDING AUTHORITY – Quick quote turnaround
- Superior policy issuance
- Low minimum premium
- Broadest Coverage
- Priced to Sell
POLICY FEATURES MAY INCLUDE:
- Professional Liability for no additional charge
- Child Molestation and Abuse limits to the General Liability Limit with no Liability Deductible (Commercial)
- The definition of abuse includes corporal punishment
- Medical Payments coverage automatically provided for no additional charge for enrolled students
- Defense Cost Reimbursement coverage for false Child Molestation and/or Abuse allegations against the facility owner, operators or employees
- Employees including Directors and Assistant Directors are insureds under Child Molestation and/or Abuse coverage (Commercial)
- Hired and Non-Owned Auto coverage
- Coverage for facilities with pets and field trips
- Coverage for extended hour and overnight commercial Child Care facilities and/or “drop in” centers
- Special Form including Theft and Replacement Cost coverage available
- Equipment Breakdown coverage including spoilage of perishable items
- Value Plus Endorsement is available on accounts eligible for Special form offering 14 optional coverages for one low flat charge including: Signs, Money, & Securities, Employee Dishonesty, Accounts Receivable coverage and much more
- Background checks with preferred pricing