Colonial General Insurance Agency, Inc. offers a focused Child Day Care Insurance program for licensed, non-overnight child care operations. Built for day care centers, preschools, and licensed in-home providers, this program gives independent agents and brokers access to responsive markets and coverage options that address the specific exposures of supervised child care activities.
Overview of the Program From Colonial General
As a Managing General Agency and E&S broker, Colonial General leverages relationships with multiple carriers and some admitted markets to place child day care risks across the western United States. The program is structured to be flexible for small in-home operations as well as larger centers, with underwriting focused on licensing, staff training, supervision and transportation exposures.
Ideal Accounts and Appetite
This program targets licensed, non-residential child care providers. Ideal accounts include:
- Licensed child day care centers
- Preschools and early learning centers
- Licensed in-home day care providers
- Before- and after-school programs (non-residential)
Accounts that offer overnight care, operate without proper licensing, or include high-risk recreational programs are typically out of appetite. Preferred risks maintain formal supervision policies, documented staff training (including CPR/First Aid), and controlled transportation procedures.
Coverage Highlights and Advantages
Colonial General’s Child Day Care Insurance program centers on accident medical coverage for enrolled children and staff, plus related benefits. Coverage applies during supervised activities and associated travel. Key highlights include:
- Accident medical coverage for enrolled children and employees
- Accidental death and specified loss benefits
- Coverage that extends to supervised activities and travel to/from those activities
- Access to multiple carrier markets and flexible underwriting options
Underwriting Notes and Minimum Premiums
Underwriting emphasizes licensing, staff:child ratios, program schedule, transportation exposure, and safety procedures. Submissions should include facility details, licensing documentation, total enrollment, staff credentials, and descriptions of daily activities and any off-site transportation. Minimum premiums vary by carrier and state; Colonial General will match fit and pricing across admitted and E&S markets to find competitive options.
Territories and Availability
This Child Day Care Insurance program is available in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Some admitted market capacity is available depending on the state and specific risk characteristics.
Why Work With Colonial General on This Business
Colonial General combines niche expertise in child care risks with streamlined placement capabilities. As an MGA and E&S broker, they provide quick turnarounds, access to multiple markets, and underwriting teams familiar with the exposures unique to day care and preschool operations. That carrier access and experience can help you place accounts that might be difficult to bind in standard markets.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Licensed, non-residential child day care centers, preschools, and licensed in-home providers are the primary fit. Operations must not provide overnight care.
What coverages are included in the Child Day Care Insurance program?
The program includes accident medical coverage, accidental death and specified loss benefits, and protection during supervised activities and related transportation.
Is this program available in my state?
The Child Day Care Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted markets depends on the state and risk profile.
Do you offer access to admitted markets?
Yes. Colonial General can place accounts in admitted or E&S markets depending on the state and the specifics of the risk.
What information is needed to submit a quote?
Provide licensing status, number of children enrolled, staff counts and training, a description of daily activities, and details on any transportation exposure to ensure accurate underwriting.
Need help placing an account? Connect with a market specialist.