Policy Highlights:
Property and Liability coverages available on monoline or package basis for day care centers, in-home day care, before and after school programs, sick-child day care, and child care associated with other organizations (hotels, clubs, YMCA/YWCA, churches, etc.).
Commercial General Liability Coverage available day nursery's:
• Primary limits up to $3 million occurrence/aggregate
• Per child premium basis—based on average daily attendance
• Excess or Umbrella limits up to $25 million
• Included Coverage:
- Additional Interests
- Errors & Omissions Coverage Part—Policy Limits
- Medical Payments—$5,000 limit
- Sexual/Physical Abuse Coverage:
- Day Care Centers—$100,000 per claim, $300,000 aggregate
- In-Home Day Care—$25,000 per claim, $50,000 aggregate (Higher optional limits available)
- No deductible required
- Loss Prevention Brochure available
Property Coverage available:
• Accounts Receivable
• Basic, Broad, or Special Form
• Building
• Business Income
• Computer Equipment
• Contents
• Equipment Breakdown
• Food Spoilage
• Outside Signs
• Replacement Cost or Actual Cash Value
• Valuable Papers
Crime Coverage available:
• Inside the Premises—Theft of Money and Securities
• Inside the Premises—Robbery or Safe Burglary of Other Property
• Outside the Premises