The insurance product targets risks related to providing child care services in a commercial facility. The location can be a residence; however, it cannot be where the owner/employees live.
Liability Insurance Highlights
- Limits of Liability from $300,000 – $3,000,000
- Child Abuse and Molestation
- $250 Deductible
- Occurrence Policy Form
- Negligent Supervision / Professional Liability
- Accidental medical Expense
- Employees as Insured’s
- Coverage on or off premises (Field Trips)
- Vicarious Liability
- Damage to Premises Rented
Commercial Auto
- Limits from $100,000 – $3,000,000
- School Bus, Van, Car
- Multiple Vehicles under one policy
Workers Compensation
- Mandated if employing 4 or more employees
(Regardless of full or part time status) - Standard premium rate regulated by the state
- Payroll services available
Student Accidental Medical Coverage
- Limit per child – $25,000 per injury
- NO Aggregate Limit
- $100 Deductible
Employers Practices Liability Insurance
- Limits of liability up to $3,000,000
- Protects against unfair practices
Property
- Building Coverage (with or without wind)
- Contents Coverage
- Business Income
- Playground Equipment
- Flood (Separate Policy)
