Admitted Child Care Product

The Deluxe Product includes General Liability at $1,000,000/$2,000,000, including Professional Liability, Child Molestation/Abuse at $25,000/$50,000, Hired & Non-Owned Auto, Defense Cost Reimbursement.

Property coverage includes Contents Coverage of $25,000 and Business Income of $20,000.

Hit Zone:

Accounts falling in zone are eligible for an additional 5% Credit

h	Up to 20 children
h	Up to 12 field trips a year
h	No exposure to swimming pools
h	Account does not have pets
h	No Special Needs Children enrolled
h	Applicant doesn’t accept drop-in children
h	Open up to 14 hours per day
h	No other operations other than child care
h	No losses/claims incurred in the past 3 years

Available Limits:

h	Property up to $3,000,000 PC 1-8
h	Property up to $1,000,000 PC 9-10
h	Coastal Zone to $250,000 per loc. (Wind excl)
h	Liability up to $1,000,000/$2,000,000
h	Child Molestation/Abuse to $1,000,000
h	Professional included in the GL

Eligibility:

Custom product allows applicant to pick and choose those coverages and limits they need.  Policies can be written as a complete package or monoline liability with or without Molestation & Abuse coverage.

h	Licensed if required by state
h	Kids on premises do not exceed licensed capacity
h	Within state required ratio of student/staff
h	No past abuse or molestation claims
h	Drop-In children are allowed
h	Special Needs children are allowed case by case
h	Extended or nighttime care is acceptable
h	No swimming pool exceeding 24” on premises
h	No trampoline, gymnastic or wall climbing equipment

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