Overview of the Program from Brown & Riding
Brown & Riding’s Child Care Centers Insurance program provides a focused marketplace for agents placing coverage for child care providers, preschool centers, daycare operations, and similar early-education facilities. As a General Agency and Excess & Surplus Lines Broker, Brown & Riding combines underwriting expertise with access to admitted and E&S capacity to place accounts that need specialized liability, property, and abuse/molestation protections. The program is widely available across most states and is designed for brokers who need practical solutions for the unique exposures of child care operations.
Ideal Accounts and Appetite
- Small to mid-size child care centers, preschools, and day-care providers (including licensed family day care homes in many states).
- Centers offering full-day care, part-day preschool, enrichment programs, or before/after school care.
- Facilities with up to moderate enrollment size and typical staff-to-child ratios; centers with routine safety programs and formal hiring/supervision practices.
- Programs requiring combined primary liability, abuse/molestation, and property coverage in one placement.
Generally not a fit: large multi-site chains, centers with significant water features or high-risk activities (e.g., adventure courses), or operations with a recent pattern of severe abuse/molestation or repeated large liability claims. Each risk is underwritten on its own merits.
Coverage Highlights and Advantages
- Primary general liability tailored for child care exposures, including limits appropriate for abuse/molestation considerations.
- Abuse and molestation coverage available; coverage scope and limits are underwritten based on controls and history.
- Property coverage options for owned buildings, contents, play equipment, and business interruption exposure.
- Optional endorsements typically available: hired/non-owned auto, professional liability for staff, cyber/privacy for parent records, and volunteers coverage.
- Access to admitted markets where available, with E&S placement through Mount Vernon Fire for non-admitted situations as needed.
Underwriting Notes and Minimum Premiums
Underwriters evaluate enrollment, staff screening and training, facility safety features, transportation exposure, background checks, and any history of allegations or claims. Documentation that speeds placement includes current application(s), loss runs for the prior five years, staff screening and training policies, and a description of any special programs (swimming, off-site field trips, transport of children).
Minimum premium: $450. Larger or higher-exposure programs will have higher premiums and may require additional underwriting information or risk control improvements.
Territories and Availability
The program is available in most states. Current territories include AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WI, and WY. Brown & Riding places business admitted where possible and uses E&S capacity (United States Liability; Mount Vernon Fire for non-admitted) when necessary to secure appropriate limits and terms.
Why Work with Brown & Riding on Child Care Business
- Specialized underwriting expertise in child care and early education exposures — faster, more predictable responses for routine and complex submissions.
- Flexibility to place admitted or non-admitted depending on state availability and client needs.
- Practical appetite guidance for agents: clear expectations on what fits and what will require enhanced risk controls or referral.
- Streamlined submission process and responsive follow-up to help you close placements and service accounts efficiently.
Example scenarios: You might have a neighborhood preschool with 40 children seeking combined GL, property, and abuse limits — the program can often place that on admitted paper. Or you may have a multi-program center with unique activities requiring higher abuse limits; Brown & Riding can access E&S capacity to secure broader limits and tailored endorsements.
Frequently Asked Questions
What types of child care accounts are a good fit for this program?
Licensed child care centers, preschools, and family day care homes with standard staffing, documented safety/training programs, and limited high-risk activities are the primary targets. Multi-site chains and high-risk operations may need referral.
Is abuse and molestation coverage included or available?
Yes. Abuse and molestation coverage is available and is underwritten based on history, staffing practices, and controls. Limits are selectable but subject to underwriting approval.
Which states and paper types are supported?
The program is available in most states (see territories above). Brown & Riding places business on admitted paper where practical and uses E&S capacity (United States Liability and Mount Vernon Fire for non-admitted) when admitted markets are not an option.
What is the submission checklist and minimum premium?
Typical submissions should include a completed application, current loss runs, staffing and screening policies, and a description of operations. The minimum premium is $450; final pricing depends on exposures and limits.
Need help placing an account? Connect with a market specialist.