Our childcare product allows the applicant to pick and choose desired coverage and limits. Policies can be written as a complete package or monoline liability for residential and commercial childcare centers that follow state guidelines for staff to child ratios.

​Ineligible Childcare Centers
Please note we cannot offer coverage to the following:
  • Risks with swimming pools
  • Risks with less than two means of egress (less than two exits)
  • Risks with inspection violations
  • Risks that do not comply with state child to staff ratios
  • Located in AK, LA or WV

Available Coverage for Childcare Centers
  • Property values up to $3,000,000 in protection class 1-8, up to $1,000,000 in protection class 9-10 or up to $500,000 excluding wind and hail in coastal regions
  • General liability limits up to $1,000,000 per occurrence $3,000,000 aggregate
  • Professional liability up to general liability limit
  • Child abuse or molestation limits up to $1,000,000 occurrence, $1,000,000 aggregate – defense costs can be inside or outside the limit

Optional Coverage for Childcare Centers
  • Hired and non-owned auto
  • Employee benefits coverage
  • Equipment breakdown
  • Employers liability (OH, ND, WA, WY)
  • Business income coverage
  • Value Plus – Property enhancement endorsement including water/sewage backup, valuable papers, money and securities, employee dishonesty, sign and much more