Comprehensive Child Care & Day Care Coverage from Bailey Special Risks, Inc.
Bailey Special Risks, Inc. (BSR) offers a flexible and competitive insurance solution tailored specifically for child care and day care providers. Whether your client operates a commercial facility or a residential-based childcare service, this program offers the adaptability and coverage options agents need to address diverse risk profiles through a single market. The program is backed by United States Liability Insurance Group and is written on a non-admitted basis.
Ideal Accounts and Target Classes
This program is designed for licensed child care centers, in-home day cares, preschools, and before/after-school programs. It can also consider operations with more complex exposures such as:
- Children with special needs
- Drop-off and pick-up transportation services
- Overnight care operations
- Facilities with pools, pets, or regular field trips
If you have a client running a residential day care with a small group of children and a pet on-site, or a commercial center offering extended hours and transportation, this program can provide a customizable insurance solution to fit their needs.
Coverage Highlights and Advantages
BSR’s Child Care & Day Care program offers customizable coverage options with the flexibility to write policies as either a full package or monoline liability. Key features include:
- Child Molestation & Abuse limits available up to the General Liability limit
- Non-owned and hired auto liability coverage
- Coverage for pets, pools, and field trip exposures
- Optional Glass, Money & Securities, and Employee Dishonesty coverage
- Special Form and Replacement Cost for property coverage
- Defense Costs Coverage available outside the policy limit
- Competitive rating structure based on average daily attendance
These features make it easier for agents to tailor coverage to each client’s operational risks and budget.
Underwriting Notes and Considerations
The program is non-admitted and underwritten by United States Liability Insurance Group. Underwriting is flexible, with the ability to consider a wide range of operations and exposures. Policies can be structured with or without molestation and abuse coverage, depending on the insured’s needs and qualifications.
Minimum premium requirements may vary depending on the scope of the operation and selected coverages. The program is best suited for accounts that demonstrate strong safety protocols, proper licensing, and experience in child care services.
States Available
This program is currently available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY.
Why Work With Bailey Special Risks, Inc.?
Bailey Special Risks, Inc. is a trusted wholesale broker with deep expertise in niche liability programs. Their child care and day care product is underwritten with a focus on flexibility, speed, and comprehensive protection, making it easy for agents to place business with confidence. With access to top-rated carriers and a responsive underwriting team, BSR helps agents find the right coverage solutions for challenging or unique daycare operations.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for licensed child care centers, residential day cares, preschools, and operations with special exposures such as field trips, pools, pets, or overnight stays.
Can I get coverage for molestation and abuse claims?
Yes, molestation and abuse coverage is available with limits up to the General Liability limit, depending on underwriting approval and the insured’s safety protocols.
Is this program available in my state?
This program is available in over 35 states, including CA, TX, FL, NY, and many others. Please check the full list or contact BSR for state-specific availability.
Can I write monoline liability or does it have to be a package?
You can write the policy as monoline liability or a complete package, based on the insured’s needs and risk profile.
Does the program cover transportation exposures?
Yes, non-owned and hired auto liability is available, and the program can consider drop-off and pick-up exposures during underwriting.
Need help placing an account? Connect with a market specialist.