Commercial Child Care and Nursery School Insurance from Cochrane & Company
This specialized insurance program from Cochrane & Company is designed for agents and brokers seeking comprehensive coverage solutions for licensed commercial child care centers and nursery schools. Whether your client operates a small preschool or a multi-location child care facility, this program offers tailored protection to address the unique risks of working with children and families.
Target Classes and Ideal Accounts
This program is built for commercially licensed child care centers and nursery schools. Ideal accounts include:
- Daycares and preschools with structured curriculums
- Facilities offering full-day or part-day programs
- Programs with on-site playground equipment, meal service, and off-site field trips
- Centers employing directors, assistant directors, and licensed staff
Facilities must meet licensing requirements and operate on a commercial basis. Home-based care is not within appetite.
Common Risks This Program Addresses
Child care operators face sensitive and serious exposures. This program provides coverage for incidents such as:
- A child injured while using playground equipment
- False accusations of abuse or molestation made by a parent
- An employee accidentally spilling hot soup on a child
- Emotional distress claims from parents when proper permissions were not obtained
Coverage Highlights
This program offers robust features to give your insureds peace of mind:
- Professional Liability included at the General Liability limit at no extra cost
- Zero liability deductibles
- Child Molestation & Abuse coverage up to the General Liability limits, including Corporal Punishment
- Applies to all individuals, on and off premises
- Directors, assistant directors, and employees are included as insureds under Abuse/Molestation coverage
- Defense Cost reimbursement for false abuse allegations
- Medical Payments coverage automatically included for enrolled students
- Hired & Non-Owned Auto Liability available
- Expanded definition of Bodily Injury to cover emotional distress and mental anguish
Available Limits and Underwriting Details
- Property values up to $3,000,000 in Protection Classes 1–8
- Property values up to $1,000,000 in Protection Classes 9–10
- Liability limits up to $1,000,000 per occurrence / $3,000,000 aggregate
- Abuse/Molestation limits up to $1,000,000 / $2,000,000
- Excess or Umbrella coverage available up to $5,000,000
Minimum premiums vary depending on the account and coverage needs.
Program Availability
This program is available in most states on an admitted basis, including AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. If you have clients in these states, Cochrane & Company can provide competitive solutions tailored to their operations.
Why Work with Cochrane & Company?
Cochrane & Company is a trusted MGA with deep experience in niche insurance programs. Their underwriting team understands the operational and reputational risks child care facilities face daily. By partnering with Cochrane & Company, you gain access to responsive service, flexible underwriting, and a program designed to protect both your clients and their young students.
To learn more about the Commercial Child Care and Nursery School Insurance program or to submit a risk, contact Cochrane & Company today.