IPMG offers a specialized Childcare Insurance program tailored to meet the unique risks and regulatory requirements of childcare operations. As a Managing General Agency and Excess & Surplus Lines Broker, IPMG provides access to markets that understand the nuances of this critical sector. Whether you’re working with a small in-home daycare or a multi-site preschool operation, this program is designed to help you place accounts that need comprehensive and reliable insurance solutions.
Ideal Accounts and Appetite
This program is an excellent fit for licensed childcare providers, including:
- Daycare centers
- Preschools
- Before- and after-school programs
- In-home childcare providers
- Private early childhood education facilities
IPMG is most effective for accounts that demonstrate strong safety protocols, trained staff, and compliance with state childcare licensing requirements. Accounts with prior claims may be considered but will be subject to underwriting review.
Coverage Highlights and Advantages
IPMG’s Childcare Insurance program offers a broad range of essential coverages to protect childcare operations from both common and specialized exposures:
- Property – Covers buildings, contents, and equipment.
- General Liability – Protection against third-party bodily injury and property damage claims.
- Auto Liability – For centers that transport children.
- Sexual Abuse Liability – A critical coverage for childcare providers.
- Student Accident Coverage – Coverage for injuries to children under care.
- Teachers Professional Liability – Protects against claims related to educational activities and professional duties.
- Umbrella – Additional limits over primary liability policies.
These coverages are structured to address the real-world risks faced by childcare providers, helping you deliver peace of mind to your clients and their stakeholders.
Underwriting Notes and Minimum Premiums
The program is supported by markets such as Markel, known for their experience in educational and childcare risks. Most available markets are non-admitted, allowing for flexible underwriting solutions. Minimum premium thresholds are low, making the program accessible to a wide range of accounts.
Submissions should include standard application forms, a narrative of operations, loss runs (if applicable), and licensing information. IPMG’s underwriting team works with agents to find the best fit for each account.
Territories and Availability
This program is currently available in the following states:
- Florida (FL)
- Illinois (IL)
- Indiana (IN)
- Iowa (IA)
- Missouri (MO)
Agents working with childcare providers in these states can benefit from IPMG’s experience and market access to craft tailored insurance solutions.
Why Work With IPMG?
IPMG brings deep expertise in the childcare industry and offers strong underwriting support through both standard and surplus lines markets. The team is responsive, knowledgeable, and committed to helping you place business efficiently and effectively. With dedicated contacts by region, you’ll always have a direct line to someone who understands your market and the needs of your insureds.
Contact Information:
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Matt Becker (IL)
Surplus Lines Practice Leader
(630) 485-5952
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Kristina Freeze (MO)
Underwriter
(314) 293-9704
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Barbara Commings (FL)
Florida Branch Manager
(855) 377-4764 ext. 5222
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Frequently Asked Questions
What types of childcare businesses are eligible for this program?
This program is ideal for licensed daycare centers, preschools, in-home childcare providers, and early education centers operating in FL, IL, IN, IA, and MO.
Are accounts with prior claims eligible for coverage?
Yes, accounts with prior claims may be considered. Each submission is reviewed individually by IPMG's underwriting team.
What is the minimum premium required to access this program?
The program features low minimum premiums, making it suitable for both small and mid-sized childcare operations.
Is Sexual Abuse Liability included in the coverage?
Yes, Sexual Abuse Liability is one of the key coverage offerings available through this program.
What markets support this program?
The program is backed by reputable carriers such as Markel, with most coverage written through non-admitted markets.
Need help placing an account? Connect with a market specialist.