Protect your Childcare Business with a specialized company, NSI. NSI has an experienced service team dedicated
excluively to childcare and has loss control specialists on staff to assist in operational safety. Our company has a
long term commitment to childcare operations and takes great pride in providing legendary service.
Childcare Program Risks
- In-Home Family Centers
- Group Centers
- Night-time operations (daily operations that extend 16 hours)
- Preschools
- Head start programs
- Drop-in Centers
- Latchkey/Before and After School programs
What to look for in limits - definitions
- "OCCURRENCE LIMIT" means the amount available to pay for an injury due to any single accident.
- AGGREGATE LIMIT" means the amount of coverage available to resolve all the claims that arise during
the annual policy period.
It is important that the aggregate limit be larger than the occurrence limit.
If the two limits are the same, than one extremely large claim for a single occurrence could deplete the insurance coverage
available for all other claims that rise during the policy period.
What limits do I chose for my childcare?
Many centers choose to obtain an occurrence limit of $1,000,000.
It might take that much to settle an extremely serious claim.
Childcare Specific Coverages
- Abuse and Molestation coverage
- Abduction coverage
- Dog/Cat Liability coverage
- Professional Liability coverage
- Professional License Review coverage
- Water Activities coverage
Does your homeowners policy cover these?
Contact Vickie Talcott for a free, no-obligation quote. Currently writing
in the state of Indiana ONLY!
(800) 332-4755 - (574) 936-2400
vickie@morrowinsuranceagency.com
