Residential Child Care Insurance

• 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

• Professional Liability automatically provided at the General liability limit for no additional charge
• No liability deductible
• Child Molestation & Abuse limits available up to $100,000 per occurrence/$300,000 aggregate - Definition includes Corporal Punishment
• Child Molestation and Abuse coverage applies off premise
• Defese Cost Reimbursement can be purchased for alleged acts of Child Molestation or Abuse against the facility owner and employees
• Medical Payments coverage automaticaaly provided for no additional charge that includes coverage for enrolled students
• Hired & Non-Owned Auto Liability coverage available
• Expanded definition of Body Injury to include sickness or disease caused by mental anguish or emotional distress  

• RIsks with pets
• Risks with premise swimming activities at public pools
• Risks with wading pools 24 inches in depth or less
• Risks with special needs children
• Risks that accept children on a drop in basis