Day Nursery | Preschool Program

Property and Liability coverages available on monoline or package basis for day care centers, in-home day care, before and after school programs, sick-child day care, and child care associated with other organizations (hotels, clubs, YMCA/YWCA, churches, etc.).

Property Coverage

  • Building
  • Contents
  • Business Income
  • Basic, Broad, or Special Form
  • Replacement Cost or Actual Cost Value
  • Equipment Breakdown
  • Accounts Receivable
  • Computer Equipment
  • Outside Signs
  • Food Spoilage
  • Valuable Papers

Commercial General Liability Coverage

  • Primary limits up to $3,000,000 occurrence/aggregate
  • Per child premium basis—based on average daily attendance
  • Excess or Umbrella limits up to $25 million

Included Coverage:

  • Additional Interests
  • Errors & Omissions Coverage Part – Policy Limits
  • Medical Payments – $5,000 limit
  • Sexual/Physical Abuse Coverage:
  • Day Care Centers – $100,000 per claim, $300,000 aggregate
  • In-Home Day Care – $25,000 per claim, $50,000 aggregate
  • No deductible required
  • Loss Prevention brochure available

Crime Coverage

  • Inside the Premises – Theft of Money and Securities,

  • Robbery or Safe Burglary of Other Property

  • Outside the Premises

    Higher Limits are Available

    Capacity for large, multi-state, multi-location operations

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