Day Care Centers & Preschool
U.S. Insurance Services Child Care Package is insurance uniquely designed to fulfill a wide variety of special insurance needs for Child Care Centers. The comprehensive program is designed to address both For-Profit and Non-Profit operations. Each policy is custom tailored to address each insured's unique exposure.
Coverage Features
General Liability
- Comprehensive general liability - limits to $3,000,000
- Abuse and molestation coverage options - separate limits of liability available,
- Premises liability
- Personal injury liability
- Employee benefits liability
- Coverage for special events
- Child care organization professional liability - separate limits of $1,000,000/$3,000,000
- Corporal punishment coverage available
- Umbrella - limits up to $10,000,000
Property
- Blanket limits available
- All risk on building, contents, loss of income and extra expense
- Computer equipment coverage
- Replacement cost endorsement
- Tuition Reimbursement coverage option under business income form
Automobile
- Owned business automobiles
- Non-owned automobile exposure
- Hired automobile exposure
- Rental reimbursement
- Towing
- Minimum physical damage
- Buses, 15 passenger vans, private passengers
Crime and Fidelity
- Employee Theft
- Theft of Money and Securities
Documents Required for Proposal
- Child Care supplemental application
- Completed ACORD application
- Copy of current facility license
- Current year plus three prior years company loss runs
- Brochures and/or advertising materials
- Financial information if facility is for-profit
Acceptable Exposures
- Non-profit and for-profit operations
- Swimming pools
- Field trips
- Staff to child ratios in conformance with state law
