Colonial General Insurance Agency, Inc. offers a specialized Child Day Care Insurance program tailored for non-overnight child care operations. This program is designed to provide insurance agents and brokers with access to reliable markets for clients running day care centers, preschools, and similar facilities. With a focus on protecting both children and staff during all supervised activities, Colonial General delivers solutions that address the unique risks of child care operations.
Overview of the Program From Colonial General
Colonial General is a leading Managing General Agency and Excess & Surplus Lines Broker with access to a variety of carriers and some admitted markets. Their Child Day Care Insurance program offers a flexible and responsive solution for licensed child care providers across the western United States. Whether your client operates a small in-home facility or a larger day care center, Colonial General can help you secure the right coverage structure to fit their needs.
Ideal Accounts and Appetite
This program is best suited for licensed day care operations that do not provide overnight care. Eligible accounts include:
- Licensed child day care centers
- Preschools and early learning centers
- In-home day care providers (licensed)
- Before- and after-school programs (non-residential)
Facilities must offer supervised programs and structured activities. Accounts that involve overnight stays, unlicensed operations, or high-risk recreational activities may fall outside the program’s appetite.
Coverage Highlights and Advantages
Colonial General’s Child Day Care Insurance program includes accident medical coverage that helps protect both children and staff from medical expenses due to accidental injuries. Coverage applies during all supervised activities, including transportation to and from such activities. Key benefits include:
- Accident medical coverage for enrolled children and staff
- Accidental death and specific loss benefits
- Protection during supervised activities and associated travel
- Access to multiple markets with flexible underwriting options
Underwriting Notes and Minimum Premiums
Minimum premiums vary by risk profile and coverage needs. Colonial General works with a variety of carriers to provide competitive pricing and tailored coverage structures. Submissions should include full details on the facility, licensing status, number of children enrolled, and staff training protocols to ensure accurate underwriting.
Territories and Availability
This program is available in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Some admitted markets are available, depending on the state and specific risk characteristics.
Why Work With Colonial General on This Business
Colonial General brings deep expertise in niche markets like child day care, giving agents access to responsive underwriting and strong carrier relationships. As an MGA and E&S broker with programs across the western U.S., they understand the unique needs of these operations and help you find the right fit for your clients. Their team offers quick turnaround, flexible options, and experienced support throughout the placement process.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Licensed, non-residential child day care centers, preschools, and in-home day care providers are ideal for this program. Operations must not offer overnight care.
What coverages are included in the Child Day Care Insurance program?
The program includes accident medical coverage, accidental death and specific loss benefits, and protection during supervised activities and associated travel.
Is this program available in my state?
The Child Day Care Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Do you offer access to admitted markets?
Yes, some admitted markets are available based on the state and specific risk profile.
What information is needed to submit a quote?
Submissions should include licensing status, number of children enrolled, staff details, and a description of daily activities and transportation exposure.
Need help placing an account? Connect with a market specialist.