• A child suffers bodily injury while on your playground equipment
• The parent of a child enrolled in your program makes a false charge of abuse or molestation against you
• One of your employees/volunteers trips and spills hot soup onto a child
• Emotional distress to the parent of a child enrolled in your program caused when you did not obtain a permission slip to take them on a field trip.  

Commercial Child Care and Nursery School Insurance - Coverage Features include:

• Professional Liability automatically provided at the General Liability limit for no additional charge
• No liability deductibles
• Child Molestation & Abuse limits available up to General Liability limit - Definition includes Corporal Punishment
• Employees including Directors and Assistant Directors are as Insureds under Child Molestation and Abuse Coverage
• Child Molestation and Abuse coverage applies off premises
• Child Molestation and Abuse Defense Cost coverage available
• Child Molestation and Abuse coverage applies to the act of any individual
• Defense Cost reimbursement available for false allegations of Child Molestation or Abuse against the facility owner operators, and employees
• Medical Payments coverage automatically provided for no additional charge that includes coverage for enrolled students
• Hired & Non-Owned Auto Liability coverage available
• Expanded definition of Bodily Injury to include sickness or disease caused by mental anguish or emotional distress  

• Maximum property value of $3,000,000 in Protection class 1-8
• Maximum property value of $1,000,000 in Protection class 9-10
• Liability limits up to $1,000,000 occurrence/$3,000 aggregate
• Professional included in the general liability limits
• Abuse or molestation limits up to $1,000,000/$2,000,000
• $5,000,000 additional capacity available for excess general liability or umbrella coverage