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

Notice: Form must be downloaded first and saved locally before filling and sending.

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


  • Building Coverage (with or without wind)
  • Contents Coverage
  • Business Income
  • Playground Equipment
  • Flood (Separate Policy)