Commercial Child Care and Nursery School Product

This preferred product targets commercially licensed Child Care centers. The premium is calculated using the average daily attendance, with a minimum of 50-75% of the license capacity. We include the crucial coverages that 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 up to 20 children
Risks with no hired or non-owned autos used to transport children
Risks with no operations other than child care services
Risks without physically or mentally challenged children or children with special needs currently enrolled
Risks open up to 14 hours

PROPERTY

Risks with no losses or claims (excluding closed without payment) incurred in the past three years

ELIGIBLE RISKS – 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 are 100% drop in centers
_ Risks with extended hours or overnight care
_ No more than two losses or claims (excluding closed without payment) incurred in the past three years

PROPERTY
_ Risks with property limits of up to:

$3,000,000 in protection class 1-8
$1,00,000 in protection class 9 –10
$500,000 in coastal zones (Wind exclusion applies)

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