Commercial Child Care Insurance, Day Care Centers Insurance

Ideal Accounts and Appetite

We focus on hard-to-place and specialized child care risks. Our program is ideal for:

• Commercial and residential daycare centers
• Facilities that care for special needs children
• Centers with extended hours or drop-in care options
• Operations that allow pets or have wading pools

If you're working with a child care provider that doesn’t fit into a standard market due to unique exposures, we’re ready to help.

Coverage Highlights and Advantages

Our program offers robust protection designed for the childcare industry. Key coverage features include:

• General Liability Limits: Up to $10 million
• Property Coverage: In-house capacity up to $3,000,000
• No liability deductible
• Medical Payments: Primary coverage for enrolled children at no additional premium
• Defense Reimbursement: Covers allegations involving insureds and employees
• Abuse or Molestation Coverage: Includes directors, assistant directors, and teachers as insureds

These features help protect child care operators from the most common and severe risks associated with their operations.

Underwriting Notes

We have the ability to consider a variety of non-standard exposures that many other markets decline. We look for well-managed operations that take appropriate safety measures. While we do not list a specific minimum premium, accounts should meet a reasonable size and risk profile to be eligible for quoting.

Territories and Availability

This program is currently available in Ohio (OH). We work with various carriers and have access to both admitted and non-admitted markets, allowing for flexible placement depending on the risk profile.

Why Work With Jacobs & Associates?

Jacobs & Associates brings deep knowledge of the child care insurance space and a commitment to helping agents and brokers find solutions for tough-to-place accounts. Our team is responsive, knowledgeable, and ready to assist you in placing business that may fall outside traditional underwriting guidelines. With access to a wide array of carriers and in-house capacity to handle substantial property limits, we’re the partner you need for your daycare and child care risks.