• Any size licensed capacity as long as they meet state minimum requirements for staff-to-child ratios
  • 100 percent drop in centers
  • Extended hours
  • Nursery, pre-school or Montessori schools
  • Before/After school programs
  • New ventures are eligible

SUBJECT TO UNDERWRITING REVIEW

  • Up to two losses or claims per coverage line incurred in the past three years
  • Risks with pets or special needs children

AVAILABLE LIMITS

  • Property values up to:
    • $3,000,000 in protection classes 1-8
    • $1,000,000 in protection classes 9-10
    • $500,000 in coastal zones (excluding wind and hail coverage)
  • General liability up to $1,000,000 occurrence/$2,000,000 aggregate
  • Professional liability included in the general liability limits
  • Abuse and molestation limits up to $1,000,000/$1,000,000
  • Medical payments up to $5,000 (coverage extends to enrolled children)
  • Umbrella up to $5,000,000
  • Hired and non-owned auto liability up to $1,000,000 (equal to the general liability occurrence limit, not available in AZ, GA, IL, MS, VT or WI)

MOST COMMON INELIGIBLE RISK CHARACTERISTICS

  • Does not comply with established staff-to-student ratios nor conducts background checks for all employees and volunteers
  • Outside play area is not fully fenced
  • Swimming pools or wading pools deeper than 24 inches on the premises
  • Children are left unsupervised at any time (including nap time)
  • Children above 15 years of age permitted
  • Employees or care providers under the age of 18 or volunteers unsupervised at any time
  • Actual incidents involving abuse or molestation
  • Located in AK, LA or WV

NOTE: Ineligible risk characteristics include, but are not limited to those listed above.

CONTACT AN UNDERWRITER FOR MORE INFORMATION AT 877-742-9875 OR CLICK HERE TO FILE A SUBMISSION.