About This Coverage

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.

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State Eligibility


Eligible State

State Not Available

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Industries Available


  • Education

    Educational Services

  • Health

    Health Care and Social Assistance

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Coverage Limits


Up To

$1M/$3M


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Key Features


AUTOMOBILE

  • Owned/non-owned/hired auto
  • Rental reimbursement
  • Towing
  • Minimum physical damage deductibles of $500/$1,000

CRIME AND FIDELITY

  • Employee Dishonesty
  • Money and Securities
  • Money Orders and Counterfeit Paper Currency

DIRECTORS AND OFFICERS LIABILITY

  • Defense costs in addition to the Limit of Liability
  • Most favorable venue wording for punitive, multiple, or exemplary damages
  • Order of payments language with priority placed on indemnifying individual insured first

GENERAL LIABILITY

  • Comprehensive General Liability - limits to $1M each occurrence/$3M aggregate
  • Premises Liability
  • Personal Injury Liability
  • Abuse and Molestation coverage options
  • Employee Benefits Liability
  • Corporal Punishment coverage available

PROFESSIONAL LIABILITY

  • Separate limits of $1M/$3M available

PROPERTY

  • Blanket limits with large in-house capacity
  • Special Causes of Loss coverage on buildings and contents
  • Replacement Cost endorsement
  • Business Income included under the Elite Property Enhancement Form

UMBRELLA/EXCESS LIABILITY

  • Large Excess Limits available







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Additional Coverage Options


$50,000 Limits for:

  • Business Travel Accident Benefit
  • Donation Assurance
  • Emergency Real Estate Consulting Fee
  • Identity Theft Expense
  • Image Restoration and Counseling
  • Key Individual Replacement Expenses
  • Kidnap Expense
  • Terrorism Travel Reimbursement
  • Workplace Violence Counseling

$25,000 Limits for:

  • Conference Cancellation
  • Fundraising Event Blackout
  • Political Unrest ($5,000 per employee)
  • Temporary Meeting Space Reimbursement
  • $1,500 Travel Delay Reimbursement

Crisis Management Enhancement Endorsement

  • $25,000 limit for crisis management emergency response expenses incurred because of an incident giving rise to a �crisis�
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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