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Program Details:
The FCI Agency's Child Care Package is insurance uniquely designed to fulfill a wide variety of special insurance needs for Child Care Centers. The comprehensive program is designed to address both For-Profit and Non-Profit operations. Each policy is custom tailored to address your unique exposure.
Coverage Features:
| Liability |
- Comprehensive General Liability - limits to $3,000,000
- Premises Liability (including playground equipment within 1,250 ft of the center)
- Employee Benefits Liability
- Child Care Organization Professional Liability - separate limits of $1,000,000 / $3,000,000
- Umbrella - available limits up to $10,000,000
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- Abuse and Molestation Coverage - separate limits of liability available
- Personal Injury Liability
- Coverage for special events
- Corporal Punishment Coverage available
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| Property: |
- All Risk on building and contents
- Computer equipment coverage
- Tuition reimbursement coverage
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- Loss of income and extra expense up to $300,000
- Replacement cost coverage available
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| Automobile: |
- Owned business automobiles
- Hired automobile exposure
- Buses, 15 passenger vans, private passengers
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- Non-owned automobile exposure
- Physical Damage
- New CDL drivers approved
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| Crime and Fidelity: |
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- Theft of Money and Securities
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| Acceptable Exposures: |
- For Non-profit and For-profit
- Field Trips
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- Swimming pools
- Staff to child ratios conformance with state law
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