DayCare & Pre-School Insurance
As a Day care provider, parents trust you to protect and care for their most valuable assets. Let us help protect your most valuable asset — your business. CapSpecialty Child Care Programs understands the complex needs of your business and has developed comprehensive child care and day care insurance solutions that are right for you.
For over 50 years, Capitol Insurance has provided strong protection for people in unique businesses. Child care business owners have unique needs for their challenges and risks.
Capitol matches those special risks with the CapSpecialty Businessowners Program for child care. It’s a comprehensive package that provides both property and liability coverage.
- Day Care Centers *
- Nursery & Pre- Schools *
- Parochial & Private Schools (K1-9)
- Art & Ceramics Schools
- Dance Schools
- Music Schools
- Playgrounds and Ball Fields incidental to eligible schools.
- Auditoriums & Halls incidental to eligible risks
DayCare & Pre-School Insurance Coverage Highlights
|Abuse & molestation (limits available up to $1,000,000 for many classes)|
|Animal coverage (limits up to $5,000 each occurrence and $25,000 annual aggregate)|
|Business income (Actual Loss Sustained 12 months)|
|Civil authority (Business Income Actual Loss Sustained extra expense 3 weeks)|
|Computer fraud (limits available up to $100,000)|
|Debris removal (25% of loss plus $10,000 additional-within 180 days from date of loss)|
|Electronic data (option to select limits)|
|Employee benefits liability (limits available up to $1 million for each employee)|
|Equipment breakdown (property limits)|
|Employee dishonesty (limits available up to $100,000)|
|Fire department service charge (limits available up to $10,000)|
|Fire extinguisher recharge ($5,000 included; limits available to $10,000)|
|Forgery & alteration ($2,500 included in basic coverage, limits available up to $100,000)|
|Glass expense (exterior, includes tenant building glass)|
|Hired and non-owned auto (limits available up to $1 million)|
|Identity theft (expense reimbursement up to $15,000)|
|Increased cost of construction ($10,000 included each building)|
|Interruption of computer operations ($10,000 included, higher limits avail;able)|
|Limited fungi, wet rot, dry rot & bacteria ($15,000 included)|
|Lost key endorsement ($5,000 each occurrence, $15,000 annual aggregate)|
|Money and securities (option to select limits)|
|Optical and hearing aid endorsement (limits available up to $1,000,000)|
|Ordinance and law (option to select limits)|
|Outdoor signs (option to select limits)|
|Personal liability (limits available up to $1,000,000)|
|Pollutant clean up and removal (180 Days—$10,000)|
|Preservation of property (within 30 Days)|
|Property entrustment ($100,000 each occurrence and $100,000 annual aggregate)|
Directors and Officers
for damages resulting from “wrongful acts” and reimbursement of loss and claims expenses.
public automobiles including Social, Civic, Charitable Organization Autos, Buses, or Vans
Abuse & Molestation
for negligence in employing, investigating , retaining, and supervising “employees” or volunteer workers, per claim/aggregate limits
Counseling Professional Liability Coverage
for damages arising out of a counseling incident resulting from marriage or family therapy, child placement, vocational counseling, educational or learning disability therapy, per claim/aggregate limits same as CGL occurrence limit
Institutional Building owners (lessor risk) may be covered under this program when a minimum of 70% of the building area is occupied by one or more Precision-eligible institutional tenants.
Up to $15,000,000 combined building and personal property values.
Up to $15,000,000 receipts per location.
A per policy minimum of $1,000 for Business Personal Property is required.
A minimum of three year in business is required with five years and accreditation preferred. The organization must be currently licensed by the state to operate continuously throughout the year. The facility must not be located in a private home even if separate space has been allotted to the operation. The facility must be in a stand-alone building or operated as part of a church or school. Physically or emotionally handicapped children must be limited to no more than 10% of the total enrollment. Ineligible risks include centers that provide transportation of children to and from home, centers for the elderly, summer camps for children, centers with swimming pools, trampolines, horseback riding on premises or centers with deep fat frying.
Establishments engaged in providing a range of family counseling services on an outpatient basis and staffed by licensed counselors. Ineligible risks include drug or alcohol rehabilitation centers, centers providing overnight facilities or medical facilities. Abuse or Molestation Exclusion is attached unless buy back option is selected. Counseling Professional Liability is separately rated. Umbrella will not follow form.
Marshal arts, judo, karate schools are ineligible for coverage.
(Existence of any of these operations at the Insured Location makes the entire location ineligible)
|Bowling Alleys||Manufacturing Operations|
|Operations involving use of explosives or flammable liquids|