Monday, April 11, 2011

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

Call 1-800-874-1738 x201

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