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.

Eligible Risks:            

  • 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

bullet Abuse & molestation (limits available up to $1,000,000 for many classes)
bullet Animal coverage (limits up to $5,000 each occurrence and $25,000 annual aggregate)
bullet Business income (Actual Loss Sustained 12 months)
bullet Civil authority (Business Income Actual Loss Sustained extra expense 3 weeks)
bullet Computer fraud (limits available up to $100,000)
bullet Debris removal (25% of loss plus $10,000 additional-within 180 days from date of loss)
bullet Electronic data (option to select limits)
bullet Employee benefits liability (limits available up to $1 million for each employee)
bullet Equipment breakdown (property limits)
bullet Employee dishonesty (limits available up to $100,000)
bullet Fire department service charge (limits available up to $10,000)
bullet Fire extinguisher recharge ($5,000 included; limits available to $10,000)
bullet Forgery & alteration ($2,500 included in basic coverage, limits available up to $100,000)
bullet Glass expense (exterior, includes tenant building glass)
bullet Hired and non-owned auto (limits available up to $1 million)
bullet Identity theft (expense reimbursement up to $15,000)
bullet Increased cost of construction ($10,000 included each building)
bullet Interruption of computer operations ($10,000 included, higher limits avail;able)
bullet Limited fungi, wet rot, dry rot & bacteria ($15,000 included)
bullet Lost key endorsement ($5,000 each occurrence, $15,000 annual aggregate)
bullet Money and securities (option to select limits)
bullet Optical and hearing aid endorsement (limits available up to $1,000,000)
bullet Ordinance and law (option to select limits)
bullet Outdoor signs (option to select limits)
bullet Personal liability (limits available up to $1,000,000)
bullet Pollutant clean up and removal (180 Days—$10,000)
bullet Preservation of property (within 30 Days)
bullet Property entrustment ($100,000 each occurrence and $100,000 annual aggregate)

 

Optional Coverage

Directors and Officers

for damages resulting from “wrongful acts” and reimbursement of loss and claims expenses.

Event Sponsorship
Additional Insureds
Public Auto

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

Accident Insurance
Bailee Insurance

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.

Product eligibility:
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.

Prohibited Occupancies:
(Existence of any of these operations at the Insured Location makes the entire location ineligible)

Unprotected Cooking Nightclubs
Bowling Alleys Manufacturing Operations
Welding Spray Painting
Operations involving use of explosives or flammable liquids

Business Interruption Worksheet for Schools

contact-us

Contact us by phone (800) 874-9191, FAX (602) 992-8327
or email below for more product information.

A Key Component of the Allen Financial Difference