Colonial General Insurance Agency, Inc. offers a Preschool Insurance program tailored for child care operations. Whether your client runs a licensed day care center, an in-home provider, a preschool, before/after-school care, or a program tied to an organization (church, YMCA/YWCA, hotel, club), this program provides flexible liability, property, and ancillary options to help protect their business from common and specialized exposures.
Ideal Accounts and Appetite
This program is a good fit for:
- Licensed day care centers and early education facilities
- In-home day care providers
- Before- and after-school programs
- Preschools and early learning centers
- Child care operations affiliated with churches, gyms, hotels, clubs, or similar organizations
Policies can be written monoline or as a package depending on the client’s needs. Colonial General prefers accounts with documented risk management practices, clear staff-to-child ratios, and standard hiring/supervision procedures.
Coverage Highlights and Advantages
Commercial General Liability for Preschools:
- Primary limits available up to $3,000,000 occurrence/aggregate
- Liability rated on average daily attendance (per-child basis)
- Excess/umbrella capacity available up to $25,000,000
Included and available coverages:
- Additional interests and certificate support
- Errors & Omissions (E&O) coverage included at policy limits
- Medical payments (typically $5,000)
- 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 limits can be arranged)
- No deductible required on the base liability coverage
- Loss prevention materials and brochures available to support insureds
Property and Ancillary Options:
- Building and contents
- Business income and extra expense
- Computer equipment and equipment breakdown
- Food spoilage
- Outside signs, accounts receivable, and valuable papers
- Replacement cost or actual cash value; choose basic, broad, or special form
Crime Coverage:
- Inside the premises — theft of money and securities
- Inside the premises — robbery or safe burglary of other property
- Outside the premises coverage available
Underwriting Notes and Minimum Premiums
Colonial General places preschool accounts in select admitted and non-admitted markets depending on the class of business and location. Risks are evaluated individually; underwriters consider enrollment size, staff qualifications, background checks, supervision policies, and incident history. While specific minimum premiums are not published here, Colonial General works with agents to provide competitive pricing and placement strategies based on the account’s exposures.
Territories and Availability
This Preschool Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability may vary by carrier and specific coverage requested.
Why Work With Colonial General
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General offers agents access to multiple markets and tailored underwriting for child care risks. Their underwriters understand the operational and liability exposures unique to preschools and in-home day cares and can package liability, property, abuse coverage, and ancillary products to match an insured’s needs.
- Market access: admitted and E&S options to place hard-to-place risks
- Flexibility: monoline or package placements with available excess limits
- Service: loss prevention materials and placement support for agents
Example placements you might bring to Colonial General:
- A licensed suburban day care with 60 average daily attendees seeking $1M/$3M limits, property coverage, and E&O inclusion.
- An in-home child care provider needing a low-premium liability policy with abuse coverage and optional higher abuse limits due to unique exposures.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for licensed day care centers, in-home providers, preschools, and child care services affiliated with churches, gyms, and other organizations.
Is sexual abuse coverage included in the policy?
Yes, sexual and physical abuse coverage is included. Limits vary by operation type, and higher optional limits are available for eligible accounts.
How is the liability premium calculated?
Liability premiums are typically rated on a per-child basis, using average daily attendance to determine the exposure basis.
Are both property and liability coverages available?
Yes. Property and liability can be written monoline or combined in a package, depending on the insured’s needs and the market selected.
Which states is this program available in?
The Preschool Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Need help placing an account? Connect with a market specialist.