Griffin Underwriting Services is pleased to announce that it has joined forces with RT Specialty effective January 3rd, 2023.

Children are unpredictable and tend to have a lot of accidents. Protect your client and the children in their care with proper insurance.

Product Features
  • Primary limits $2,000,000 aggregate, $1,000,000 each occurrence, and $5,000,000 aggregate, $5,000,000 on a submit basis
  • Daycare Centers: rated on average daily attendance "per child"
  • In-Home Daycares: usually rated "per home"
  • No deductible required
  • Excess/Umbrella limits up to $5,000,000 available
  • Loss prevention brochure available
  • Higher optional limits available
  • Pools allowed, subject to underwriting guidelines

Included Coverages:

  • Additional interests
  • Medical payments at $5,000
  • Sexual and physical abuse:
    - Daycare Centers $100,000 per claim/$300,000 aggregate
    - In-Home Daycares $25,000 per claim/$50,000 aggregate (additional charge for higher sublimits)
    - Some markets can go as high as $1 million/$1 million

Optional Coverages:

  • Property
  • Errors & Omissions (typically included, but some markets only offer E&O for commercial daycares, not in-home)
  • Kidnap & Ransom (submit application to quote separate policy)
Advantages of Writing with Griffin
  • In-home and commercial daycare are both acceptable
  • Admitted markets are available
  • Medical payments coverage may be automatically provided for no additional charge that includes coverage for enrolled students
  • Some carriers provide free or discounted background checks to childcare policy holders
Quoting with Griffin
  • Please include the number of children or average daily attendance as well as the staff-to-child ratio with each submission
  • Applicant needs to be licensed by the state (copy of license sometimes required to bind)


*For Adult Day Care, see Allied Medical product

Quoting & Applications

Log in to obtain applications, additional info, or quote online.
*Coverage may not be available for all accounts or in all states
*Applications will apply to most markets but in certain circumstances additional applications may be needed
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