Our Child Care Product is one of the broadest available with competitive premiums. The product is designed for Commercial and Residential Child Care Centers such as include Day Care Centers, In-Home Day Care, Before and After School Programs and child care associated with other organization (hotel, clubs, YMCA/YWCA, churches, etc.), and features General Liability, Professional Liability and Child Molestation coverage.
Our Adult Day Care Product is designed for licensed, commercially operated facilities that offer only minimal care where the majority of the attendees should be ambulatory. This product is only available in California currently.
Coverage Features:
- General Liability that includes Mental Anguish or Emotional Distress with no deductible
- Coverage for Child Molestation and Abuse
- Defense Cost Coverage Outside the Limits of Liability
- $5,000 Medical Payments coverage for children under child care providers care
- Employees including Directors, Assistant Directors may be included as insured under Child Molestation or Abuse coverage
- Professional Liability Limits at no additional charge
- Defense Cost Reimbursement coverage for alleged acts of molestation or abuse against the facility owner available
- Coverage available for risks with children with Special Needs, “Drop In” Exposures or “Drop In” Centers
- Coverage for Extended Hour Commercial Child Care Facilities
- Hired & Non-Owned Auto Liability coverage available
- Value Plus Endorsement is available offering 14 valuable property coverage enhancements
- Special Form and Replacement Cost Property coverage available; No Classification
- Limitation or Designated Premises Endorsement
- Monoline General Liability coverage Available
Don't forget to quote Worker's Compensation for this risk!
Please Note: coverages may vary according to class of risk and market conditions