Center-based child care facilities provide care and supervision for children in a group setting. Center based child care programs are commonly referred to as child centers, daycare centers, nursery
schools, and preschools. Programs are established and administered through a variety of sponsors.
Sponsored entities may include universities, schools, churches, social service agencies, community
based programs, independent owners, corporate chains, franchises and employers.
Coverage Highlights click
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Property
· Blanket Property and Contents Coverage · Replacement Cost · Agreed Value (with signed SOV) · Equipment Breakdown · $25K Earthquake & Flood* · $15K Emergency Vacating Expense · Client Monies & Securities included · Special Deductible Exceptions · Builders Risk Coverage available · $100,000 Property in Transit · Enhanced Property Form
· Scheduled Equipment available · Electronic Data & Processing Equipment available · Additional coverage options are available
General Liability (Occurrence & Claims made available)
· $1M/3M Limits · Employee Benefits Liability (claims made) at $1M/1M Limits
with $1000 deductible · Coverage for Fund Raising Events included · Automatic Liquor Liability for Fund Raising Events · Broad Additional Insured Endorsements available at no extra charge · $10K Medical Payments · $250K Fire Legal Liability* · Abuse and Molestation have separate & dedicated limits · Abuse and Molestation coverage for employee/client/3rd party · Aggregate per location endorsement · Defense outside the Limits · No binding arbitration endorsement · Accident Medical for participants/volunteers available · HIPAA Coverage available
Professional Liability
(Occurrence & Claims made available)
· $1M/3M Limits available
· $25K punitive damage coverage
(where permitted by law) · Includes employees, volunteers, nurses, psychiatrists,
medical directors & administrators · No binding arbitration endorsement
Umbrella (Limits available up to $25M)
· $10K Minimum Retention (SIR) (most states) · Professional Liability · Auto Liability · Abuse and Molestation (if eligible) · Employers Liability · Contractual Liability · Products & Completed Operations
Commercial Auto
· $1M Combined Single Limit Liability · Mandatory PIP where applicable · Employee Hired Auto · $50 Towing Limit for Private Passenger Vehicles · $50K Hired Auto Physical Damage Limits · Non-Owned / Hired Auto · Rental Reimbursement available · Employees as Insured
* Higher limits available for eligible risks
Submission Requirements click
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Non Profit Submission Requirements: · Brochure or Website · Application (ISA will work off another carrier's application or our own) · 5 years currently run company loss runs with expiring premiums · Acords or Coverage Requirements · Drivers list
Applications click
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Before downloading and signing any insurance
applications, make sure that you know your state's
fraud warnings.
