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