Residential Child Care Insurance Program from Cochrane & Company
Cochrane & Company offers a targeted Residential Child Care Insurance program that helps agents place coverage for facilities and home-based operations that care for children. The program is underwritten for the unique liability and professional risks of residential child care—licensed or unlicensed—including operations that serve special needs children or run activities such as supervised swimming or keep pets on site.
Ideal Accounts and Appetite
This program is well suited for a variety of residential child care models, including:
- Small in-home day care and residential group homes
- Programs that accept drop-in or temporary placements
- Providers with pets on the premises
- Operations with access to public pools or shallow wading pools (up to 24" deep)
- Care providers serving special needs children
Typical appetites include smaller, closely supervised operations and structured residential homes. Accounts with extensive commercial exposures, large congregate care facilities, or unmitigated high-hazard activities may require referral or alternative markets.
Coverage Highlights and Advantages
- Professional Liability included automatically at the General Liability limit with no separate surcharge
- No liability deductible for simpler claims handling
- Child Molestation & Abuse Coverage up to $100,000 per occurrence / $300,000 aggregate, including off-premise incidents and corporal punishment
- Defense Cost Reimbursement option to help facility owners and employees facing allegations
- Medical Payments Coverage included automatically—covers enrolled children at no extra charge
- Hired & Non-Owned Auto Liability available where needed
- Expanded Bodily Injury Definition that can include sickness or disease resulting from emotional distress or mental anguish
Underwriting Notes and Minimum Premiums
Cochrane underwriters evaluate accounts with attention to supervision levels, staff hiring practices, building safety, and activity controls (pools, pets, transportation). Provide complete applications and loss histories for the fastest response. Minimum premiums and terms vary by account size, location, and specific exposures—submit full details so underwriters can tailor appropriate terms.
Territories and Availability
This program is available in: Arizona, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Utah, Washington, and Wyoming. Most accounts are written on an admitted basis where that option exists; non-admitted placement may be used when required by risk characteristics or state availability.
Why Work With Cochrane & Company?
As a specialized Managing General Agency, Cochrane & Company brings decades of niche underwriting experience in specialty programs. Agents benefit from underwriters who understand child care exposures, flexible appetite for varied residential models, and access to multiple carrier options. The program’s built-in professional liability, abuse coverage, and no-liability-deductible approach make placement straightforward for many smaller providers.
Example Accounts That Fit This Market
- You have a licensed in-home provider who cares for mixed-age children, keeps a family dog on site, and occasionally takes kids to a nearby wading pool—this program can often provide GL, professional liability, and abuse coverage in a single package.
- You work with a small residential group home that serves special needs children and provides supervised community outings; the program’s expanded bodily injury language and defense reimbursement option can address those exposures.
Need more details on binding or placing an account? Submit a complete application or connect with a market specialist for guidance on documentation and preferred submission formats.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Residential or home-based child care providers, including those with pets, wading pools, special needs children, or drop-in care models, are the primary focus for this program.
Is coverage available for abuse and molestation claims?
Yes. Child Molestation & Abuse coverage is offered up to $100,000 per occurrence and $300,000 aggregate, including off-premise incidents.
Are there any deductibles for liability coverage?
No—this program typically has no liability deductible, which simplifies claims handling for your insureds.
Which states is this program available in?
The program is offered in AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY.
Does the program include Professional Liability?
Yes—Professional Liability is automatically included at the General Liability limit with no additional premium.
Need help placing an account? Connect with a market specialist.