Day Care & Adult Day Care Insurance Program from B&H Risk Services
Agents looking to place coverage for day care or adult day care operations can count on B&H Risk Services for a responsive and flexible market. As a Managing General Underwriter (MGU), B&H Risk Services specializes in non-admitted solutions across Arkansas, Oklahoma, Tennessee, and Texas. Whether you’re working with an established facility or a new venture, we provide fast quotes, competitive terms, and coverage that addresses the real-world exposures your clients face.
Ideal Accounts and Appetite
This program is designed for licensed operations that provide care and supervision for children or adults during daytime hours. We welcome both standard and non-standard risks, including:
- Licensed child day care centers
- Adult day care centers offering non-residential services
- New ventures with proper licensing and procedures
You might have a client starting a small adult care center in Texas or an expanding franchise child care center in Arkansas—these are the types of accounts we’re looking to support.
Coverage Highlights and Advantages
We offer a broad package of coverages tailored to the specific needs of day care operations:
- Property
- General Liability
- Business Income & Extra Expense
- Crime
- Abuse & Molestation
All policies are written on a non-admitted basis, allowing us greater flexibility in underwriting unique exposures. Our program is built to help agents protect their clients from some of the most critical risks in day care operations, including liability related to abuse claims and income loss due to unexpected closures.
Underwriting Notes and Minimum Premiums
We offer low, competitive minimum premiums and welcome submissions for new ventures. No appointment is required to submit or bind business. Our underwriters work efficiently to provide fast turnarounds and practical solutions for challenging risks.
Territories and Availability
This program is currently available in the following states:
- Arkansas
- Oklahoma
- Tennessee
- Texas
Why Work With B&H Risk Services?
B&H Risk Services understands the challenges agents face in placing day care and adult day care business. Our team is experienced in evaluating these exposures quickly and offering solutions that work. As an MGU with access to specialized markets, we provide the flexibility and responsiveness you need to serve your clients.
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Policy forms prevail – this information does not alter policy language
Frequently Asked Questions
What types of accounts are a good fit for this program?
We target licensed child day care centers and adult day care facilities, including new ventures. Both standalone and multi-location operations are welcome.
Is this program available for new startups?
Yes, we welcome new ventures that have proper licensing and operational procedures in place.
What coverages are included in the program?
Coverage options include General Liability, Property, Business Income & Extra Expense, Crime, and Abuse & Molestation.
Do I need an appointment to submit business?
No appointment is needed. You can submit and obtain a quote without prior appointment.
Which states is this program available in?
This program is available in Arkansas, Oklahoma, Tennessee, and Texas.
Need help placing an account? Connect with a market specialist.