Policy Details

Childcare Insurance Policy Details

How Am I Covered?
All of the following coverages are included in our comprehensive Business Owner’s Policy (B.O.P.):

Commercial General Liability – Included
Provides you the ability to turn over lawsuits brought against you related to your childcare business, except those specifically excluded. Insurance attorneys will then represent your interests. Also, our insurance is written on an Occurrence Form. As long as the incident happened while coverage was in force, it will be covered no matter when the claim is submitted – even years later.

Professional Liability – Included
Protects you from any negligent act, error, or omission or failure to render professional services. Coverage extends to family, volunteers, or anyone for whom you are legally responsible. This coverage allows first-dollar defense by the insurance company. Limits are equal to the Commercial General Liability limits chosen. Not available for overnight care (overnight care is defined as anything over 14-hours a day)

Accidental Medical Payments – Included
Provides $5,000 limit Accidental Medical Expenses per anyone person (subject to exclusions) with a ZERO deductible for any medical costs within one year of the date of the accident due to injuries sustained, including daycare children. Payments are awarded as NO FAULT and are paid for First Aid, Necessary Medical, Surgical, x-rays, Dental Services, Ambulance, Hospital, Professional Nursing Services, and Funeral Services. Coverage is extended to field trips off premises. However no coverage extends while the children are in your vehicle. Allergic reaction to food and medicines administered by you are also covered. See policy for exclusions and application for underwriting requirements.

Property Coverages
All items listed are included. Coverage limits may be increased, and endorsements may be added for an additional premium.

  • Daycare Property – $1,000
  • Business Income – Actual Loss Sustained (no waiting period)
  • Business Income – Civil Authority (no waiting period)
  • Extra Expenses (no waiting period)
  • Building Glass
  • Fire Department Service Charge – $1,000
  • Increased Cost of Construction – $5,000
  • Pollutant Cleanup and Removal – $10,000
  • Water Damage / Sewer Backup – up to $25,000*
  • Forgery or Alteration – up to $2,500
  • Money Orders / Counterfeit Paper Currency – up to $1,000*
  • Equipment Breakdown – included
  • Personal Property at Newly Acquired Premises – $100,000
  • Accounts Receivable – $25,000
  • Valuable Papers – $25,000
  • Fine Art – $25,000
  • EDP / Hardware & Software – $25,000
  • Personal Property away from premises – $15,000
  • Personal Effects – $10,000
  • Outdoor Signs – $10,000
  • Money and Securities – $5,000
  • Employee Dishonesty – $5,000
  • Property in Transit – $5,000
  • Outdoor Property – $2,500
  • 4% Automatic Limit Increase (Building)
  • Seasonal 25% Increase for Business Personal Property
  • Limited Contractual Liability

Optional coverage can include umbrella limits from $1,000,000 to $5,000,000.
* Subject to Property Limits at time of loss

Optional Coverage
Not included in the above policy, may be added for additional premium:

  • Building
  • Non-Owned Automobile
  • Employer’s Liability

Sexual Molestation/abuse
Provides defense cost coverage arising out of bodily injury, property damage, or any other damages because of liability or allegations of liability resulting from sexual action, that occurs in, on, or near the insured’s premises, or in conjunction with the insured’s operations of child care. Limits correspond directly with the Commercial General Liability limit you purchase. Not available for overnight care.

Business Personal Property
Higher limits of business personal property than what are included are available. (See application)

Additional Insured
Extends Liability coverage to entities who require being named on you policy as an additional insured (i.e., Landlord, City / County programs, etc.).

What is excluded?
Punitive damages, pollution, asbestos, lead paint poisoning, war, nuclear energy, sexual molestation, dog coverage, water activities. Further information can be provided.

Given space limitation we cannot list every underwriting guideline, acceptability provision, condition or exclusion in the policy. These details are subject to the terms of the actual policy issued at underwriting.