About This Coverage
No matter how safe an environment you provide, accidents will happen. Child Care Insurance puts you in a better position to avoid lawsuits and protects each child when accidental injuries occur during supervised and sponsored activities including group travel.
State Eligibility
Eligible State
State Not Available
Industries Available
-
Health Care and Social Assistance
Coverage Limits
Up To
$2M
Key Features
COMMERCIAL CENTERS
- Rating basis the greater of the following: 50% of their license capacity or their maximum daily attendance
RESIDENTIAL CENTERS
- License capacity
Preferred Classes
ELIGIBLE OPERATIONS
Commercial Centers
- Nursery School
- Preschools
- Schools up to grade 3
Restricted Classes
RESIDENTIAL CENTERS
- No nanny service or babysitters
Liability Coverages
GENERAL LIABILITY
- Comprehensive General Liability�Limits to $1M per occurrence/$3M aggregate
PROFESSIONAL LIABILITY
- Included at equal limits to the General Liability, or available with separate limits
CHILD MOLESTATION & ABUSE
Commercial Form
- Limits up to $1M are available (may not exceed GL limit)
Residential Form
- Limit of $100K/$300K included in the package
Additional Coverage Options
- Criminal and Civil Defense Cost Reimbursement
- Limit of $50K/$100K automatically included if they purchase abuse coverage
- Hired and/or Non Owned Automobile Liability
- Limits up to $1/$2 Million available (may not exceed GL limit)
- No transportation of children other than emergencies and field trips
- Corporal Punishment coverage available
- Umbrella/Excess Liability
- Large Excess Limits Available
- Crime and Fidelity
- Money and Securities
- Money Orders and Counterfeit Paper Currency
- Employee Dishonesty
- Payment Terms
- Interest-free installments available for accounts that generate at least $2,000 in premium
Submission Requirements
- ACORD Application, fully completed and signed
- Supplemental Application
- 3-5 Years of Loss Runs
- Copy of current facility license
- Send submissions to quotes@ospreyuw.com