Program Includes

• Childcare Professional Liability
  • Policy limit of GL

• Abuse and Molestation
  
  • Policy limit of GL
  • Defense costs outside limits

• Premises and Operation
  • Policy limit of GL

• Products and Completed Operations
  
  • Policy limit of GL

• Abduction
  
  • Limits to $50,000/$50,000 (Occurrence/Aggregate)

• Medical Payments – Includes students and volunteer workers
  
  • Limits to $10,000 (Per person)

• Damages to Premises Rented to You
  
  • Limit - $200,000 (Higher limits available)

• Personal & Advertising Injury
  
  • Policy limit of GL

• Employees as Additional Insured
  
  • Policy limit of GL

• Building Owner as Additional Insured
  
  • Policy limit of GL

• Volunteers as Additional Insured
• Voluntary Property Damage
  
  • Limit - $2,500

• Bail Bonds
  
  • Limit - $500

Property Coverage

Program Includes

• Building – Replacement cost or Actual Cash Value
  
  • Specific Limit

• Contents – Replacement Cost or Actual Cash Value (Outdoor property within 1,000 feet)
  
  • Specific Limit

• Business Income and Extra Expense Including Prepaid Tuitions
  
  • Limited to 12 months consecutive coverage
  • Communicable disease/water-bourne pathogen limited to $50,000 (30 days)
  • Civil authority limited to 3 consecutive weeks

• Debris Removal
  
  • Limit - $25,000

• Preservation of Property
  
  • Limit – 30 days full removal coverage

• Rewards
  
  • Limit - $25,000

• Attached Outdoor Signs and Fences
  
  • Limit – Full coverage open peril

• Change in Temperature or Humidity Extremes
  
  • Limit - $50,000

• Fire Department Service Charge
  
  • Limit $250,000

• Fire Protection Device Recharging
  
  • Limit – Actual Loss Sustained

• Interior Glass Coverage
  
  • Scheduled

• Newly Acquired or Constructed Buildings
  
  • Limit to $1,000,000 (30 day coverage limit)

• Personal Property at Newly Acquired Premises
  
  • Limit to $500,000 (30 day coverage limit)

• Ordinance or Law (Included if replacement costs coverage applies)
• Outdoor Property (Excludes fences and detached signs)
  
  • Limit - $10,000 ($500 for one tree or plant/specified perils only)

• Personal Effects and Property of Others
  
  • Limit - $25,000

• Pollutant Clean Up and Removal
  
  • Limit – 25,000

• Property Off Premises
  
  • Limit $100,000 (90 day limit)

• Spoilage
  
  • Limit - $10,000

• Utility Services – Direct Damage
  
  • Limits – Building and/or contents limits

• Utility Services – Time element
  
  • Limit – Actual loss sustained

• Water Back Up, Sump Pump Overflow
  
  • Limit - $25,000 (Policy Term)

• Automatic Increase in Insurance on Building Value
  
  • 4% (Higher values available)

• Accounts Receivable
  
  • Limit - $250,000

• Detached Outdoor Signs
  
  • Limit - $10,000 (Higher limits available)

• Fine Arts
  
  • Limit - $25,000

• Personal Computers, EDP Equipment, Data and Media, Phones
  
  • Limit - $25,000 (Higher limits available)

• Personal Property in Transit
  
  • Limit - $25,000

• Property at Fairs or Exhibitions
  
  • Limit - $50,000

• Property in Custody of Salespersons
  
  • Limit - $25,000

• Valuable Papers and Records
  
  • Limit - $25,000

• Forgery and Alterations
  
  • Limit - $5,000

• Money Orders and Counterfeit Paper Currency
  
  • Limit - $1,000

• Employee Dishonesty
  
  • Limit - $5,000 (Higher limits available)

• Money and Securities
  
  • Limits - $15,000 In, $7,000 Out (Higher limits available)

• Workplace Violence
  
  • Limit $100,000

Program Property Coverage Options

• Equipment Breakdown (Subject to policy conditions)
  
  • Specific limit building and/or contents
  • Expediting expenses - $25,000
  • Hazardous substances - $25,000
  • Perishable goods - $25,000
  • CFCs – $25,000

• Mine Subsidence
  
  • Specific limit

• Earthquake
  
  • Specific limit

Auto

• Vehicles used to transport children
• Liability
  
  • Limits to $1,000,000

• Uninsured & Underinsured Motorist
  
  • Limits to $1,000,000

• Physical Damage
• Medical Payments
  
  • Limits to $5,000

• Hired/non-owned

Workers’ Compensation

• Limits to $1,000,000/$1,000,000,/$1,000,000 (Accident/Employee/Policy)

Convenient No Interest Payment Options

• Electronic funds transfer ($1.00 fee per installment)
• Online or by phone ($7.00 fee per installment)
• Charge to credit card ($7.00 fee per installment)

Flexible Payment Terms

• Semiannual
• Quarterly
• Down payment plus 5 equal payments
• Down payment plus 9 equal payments
• 10, 11 or 12 equal payments

AM Best A+ Rated Carriers Based in Midwest
Loss Prevention Specialists and Information Specific to the Childcare Business to Help with Operations
Claims Support Representatives are Highly Experienced with Settling Childcare Losses