Day Care and Preschool Insurance Solutions Through A.I.I. Insurance Brokerage of MA
A.I.I. Insurance Brokerage of MA provides a specialized Excess & Surplus (E&S) insurance program for day care centers and preschools across New England. As an experienced E&S broker, we place accounts that may not fit standard markets by leveraging relationships with multiple non-admitted carriers. This program addresses the key exposures faced by early childhood education facilities, including both for-profit and nonprofit operations.
Ideal Accounts and Appetite
The program is designed for licensed day care centers, nursery schools, Montessori schools, and preschools serving infants through pre-K. We can consider small in-home day cares up to mid-sized commercial facilities.
Preferred accounts have documented safety procedures, staff background checks, staff-to-child ratios that meet licensing standards, and structured curricula. We will also consider nonprofit and faith-based programs. Facilities offering limited transportation or after-school programs may qualify but will be evaluated for additional exposures.
Coverage Highlights and Advantages
This E&S program offers flexible coverage forms to protect child care operators from common and specialized risks. Key coverages include:
- Abuse & Molestation: Important protection for allegations of misconduct involving staff or volunteers.
- Commercial General Liability (CGL): Liability for bodily injury, property damage, and personal/advertising injury.
- Equipment Breakdown: Coverage for mechanical and electrical failure of essential systems such as HVAC and kitchen appliances.
- Miscellaneous Professional Liability: Defense and indemnity for claims arising from professional services provided by staff.
- Real & Business Personal Property: Coverage for buildings (when applicable), contents, furnishings, play equipment, and educational materials.
Policies are typically placed on a non-admitted basis through various E&S markets, giving underwriters flexibility on terms and endorsements.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by operation size, enrollment, services offered, and location. Typical submissions should include a completed application, current loss runs, and a detailed description of operations (hours, number of children by age group, staff credentials and screening procedures, transportation details, and safety protocols).
Facilities with frequent or large losses, licensing violations, or insufficient safety controls may be difficult to place. Early disclosure of exposures such as transportation, overnight care, or unsupervised field trips helps avoid delays.
Territories and Availability
This program is available to licensed agents in Connecticut, Massachusetts, New Hampshire, and Rhode Island. If you place daycare or preschool business in these states, A.I.I. Insurance Brokerage of MA can assist with E&S placement options.
Why Work With A.I.I. Insurance Brokerage of MA?
With deep knowledge of New England child care exposures and access to multiple non-admitted carriers, A.I.I. Insurance Brokerage of MA helps brokers place challenging or specialized accounts. Our team focuses on practical underwriting and tailoring coverage to each facility’s operations.
Example scenarios that often fit our program: you may have a client who expanded their preschool to a second location or one who added limited transportation and after-school enrichment programs — both introduce new liabilities and may be better suited to E&S markets. We work with agents to package submissions that highlight risk controls and reduce friction in placement.
Need help placing an account? Connect with a market specialist.