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Agents Insurance Markets, Inc.
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Agents Insurance Markets, Inc.
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Daycare Centers Insurance For NC and VA

     

DAYCARE CENTERS INSURANCE For NC and VA
   PRE-SCHOOL NURSERIES 
 LICENSED COMMERCIAL DAYCARE OR PRESCHOOL OPERATIONS
LICENSED IN-HOME DAYCARE
   
Agents Insurance Markets, Inc. (AIM) offers a specialized insurance program for licensed daycare centers and preschools operating in North Carolina, Virginia, and Washington, D.C. Designed for independent agents and brokers, this program helps you place both commercial childcare facilities and licensed in-home daycares with top-rated non-admitted carriers. AIM’s underwriting and market access are tuned for new operators and established programs that need comprehensive liability, professional, and property protections.

Ideal Accounts and Target Classes

This program is targeted to a broad range of childcare risks, including:
  • Commercial daycare centers
  • Preschools
  • Licensed in-home daycare operators
  • Mothers’ Morning Out programs
  • After-school care providers
Higher-risk exposures such as swimming pools may be eligible if they meet the program’s underwriting standards.

Coverage Highlights and Advantages

AIM’s daycare program provides tailored coverages that address the common and unique exposures of childcare providers:
  • General liability limits available up to $5,000,000
  • Excess liability capacity available
  • Professional liability included
  • Abuse and molestation coverage available (subject to underwriting)
  • Property coverage with enhancement form
  • Equipment breakdown coverage
  • Volunteers automatically included as insureds
  • Employees may be added as additional insureds via endorsement
  • Additional insured endorsements available for landlords and vendors
  • Hired and non-owned auto coverage available
  • Medical payments limits up to $5,000
  • Damage to premises rented to you up to $100,000
  • Written on an occurrence form with defense costs outside the limits

Underwriting Notes

  • This program is placed through a variety of non-admitted carriers; availability and forms may vary by market.
  • All accounts must be properly licensed in their operating state.
  • Swimming pools, field trips, extended hours, and other higher-exposure operations are evaluated on a case-by-case basis and must meet specific underwriting controls.
  • No standard minimum premium is published; contact AIM for program-specific underwriting terms and estimated premium indications.
Example fits: a licensed preschool with 30 children seeking combined general and professional liability plus property coverage; or an in-home daycare owner expanding to additional staff and requiring abuse/molestation limits and hired/non-owned auto coverage for staff driving on outings.

Territories and Program Availability

This daycare centers program is available in:
  • North Carolina (NC)
  • Virginia (VA)
  • Washington, D.C. (DC)
AIM is actively seeking qualified risks in these territories. Coverage availability is subject to underwriting and carrier appetite.

Why Work With Agents Insurance Markets, Inc.?

As a Managing General Agency, AIM provides independent agents with access to multiple specialty markets and responsive underwriting for childcare risks. Their strengths include market access for hard-to-place accounts, program flexibility (including excess capacity), and a focus on service—helping you place accounts faster and with coverages that match operational needs. Use AIM when your client requires tailored limits, abuse/molestation coverages, or combined liability and property placements that standard markets may not accommodate.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is well suited for licensed commercial daycare centers, preschools, licensed in-home daycares, after-school programs, and Mothers’ Morning Out operations in NC, VA, or DC.

Can in-home daycares qualify for this program?

Yes. Properly licensed in-home daycare providers that meet the program’s underwriting guidelines are eligible for placement.

Is abuse and molestation coverage included?

Abuse and molestation coverage is available and can be included based on underwriting approval and the specifics of the operation.

Are risks with swimming pools eligible for coverage?

Pools and other higher-risk exposures can be considered if they satisfy the program’s safety and supervision requirements; each submission is reviewed individually.

What limits are available under the general liability coverage?

General liability limits are available up to $5,000,000. Excess liability options are also available where needed and supported by underwriting.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A or better
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

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APPLICATIONS

AGENCY LICENSING

Brokerage agreements are not required until you write your first piece of business with our agency. 

Once we bind the first piece of business, you will be sent a brokerage contract to complete and return. This is needed to complete your broker file and includes e-commerce authorization and specific obligations.

 

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Agents Insurance Markets, Inc. has other insurance programs like Artisan Contractors Insurance for NC and VA.