This preferred product targets in home child care services. The premium is calculated using the average daily attendance, with a minimum of 50-75% of the license capacity. We include the coverages Child Care risks need such as General Liability, Professional Liability, Molestation and Abuse, Defense Reimbursement Coverage, Hired & Non-Owned Auto Liability, Personal Liability and Property Coverage.

GENERAL LIABILITY

• Risks with no losses or claims (excluding closed without payment) incurred in the past three years
• Risks with no hired or non-owned autos used to transport children
• Risks with no operations other than child care services on the premises
• Risks without physically or mentally challenged children or children with special needs currently enrolled
• Risks open up to 14 hours

PROPERTY

• Risks not requiring building coverage
• Risks with no losses or claims (excluding closed without payment) incurred in the past three years

ELIGIBLE RISKS – Includes all of the above characteristics except where amended below
GENERAL LIABILITY
_ Risks with pets
_ Risks with off premise swimming activities at public pools
_ Risks with wading pools 24 inches in depth or less
_ Risks with special needs children
_ Risks that accept children on a drop in basis
_ No more than two losses or claims (excluding closed without payment) incurred in the past three years

PROPERTY
_ No more than two losses or claims (excluding closed without payment) incurred in the past three years