• Child care operations located in the owner’s home
  • Ability to consider licensed or unlicensed centers depending on state requirements
  • Accepts children on a drop-in basis

SUBJECT TO UNDERWRITING REVIEW

  • Risks with pets or accepts special needs children
  • Has off-premise swimming activities at public pools or on-premise wading pools (24-inches in depth or less)
  • Up to two losses or claims per coverage line incurred in the past three years

AVAILABLE LIMITS

  • General liability up to $1,000,000 occurrence/$2,000,000 aggregate
  • Professional liability included at a limit equal to the general liability
  • Abuse or molestation liability up to $100,000/$300,000
  • 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 premises
  • Children above 15 years of age permitted
  • Employees or care providers under the age of 18 or volunteers unsupervised at any time
  • Children are left unsupervised at any time (including nap time)
  • 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