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
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Educational Services
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Health Care and Social Assistance
Coverage Limits
Up To
$1M/$3M
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
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�
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