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Home > Preschool Insurance Guide > Pre-schools/Participant Accident Insurance This page is part of the broader Preschool Insurance Guide, which provides essential coverage options for early childhood education providers. This particular coverage protects both children and staff in preschool and daycare settings. As part of a comprehensive insurance program, consider also looking into Nursery School Transportation Insurance for vehicle-related risks and explore Nursery and Pre-Schools Insurance as a broad alternative phrasing for childcare insurance. What is Pre-schools/Participant Accident Insurance? Pre-schools/Participant Accident Insurance is a specialized type of coverage designed to help protect children and staff in early childhood education settings. It provides benefits in the event of accidental injuries that occur during school-sponsored activities, whether on-site or off-site. This type of insurance is especially important for schools, daycare centers, and other child-focused programs where active play and group activities are routine. In the event of an accident, this insurance offers peace of mind, ensuring that both children and educators receive timely medical care. It's important for educational institutions to stay compliant with safety regulations, making this coverage essential for reducing liability exposure. Who Needs It This insurance is essential for any organization that runs a preschool, daycare, or early learning center. It’s also relevant for churches, community centers, and private programs offering early childhood education or care. Even programs with strong safety practices can face accidents—from playground falls to minor mishaps during field trips. Having accident insurance helps safeguard both the children and the organization. What It Typically Covers Participant accident insurance usually includes: Accidental medical expenses (up to policy limits) Emergency room and ambulance costs Dental injuries caused by accidents Accidental death and dismemberment benefits Some policies may also offer limited coverage for supervised off-site activities Coverage may apply regardless of who is at fault, making it a practical addition to general liability insurance. Common Exclusions and Limitations While this insurance offers useful protection, there are typical exclusions, such as: Injuries occurring outside of covered activities or premises Pre-existing medical conditions Injuries resulting from negligence or unsafe behavior Illnesses or non-accidental medical issues Coverage limits and terms vary, so it’s important to review the policy details carefully. Factors That Influence Cost Several factors can affect the cost of pre-school accident insurance, including: Number of enrolled children Type and frequency of activities offered Facility safety measures and staff training Claims history Coverage limits and deductibles selected While pricing varies, investing in this type of insurance can reduce out-of-pocket costs from unexpected accidents. Proof of Insurance and Compliance Many states require child care providers to carry liability or accident insurance as part of licensing requirements. Even when not mandated, having proof of insurance can build trust with parents and demonstrate a commitment to safety. Always check with your state or licensing authority for specific requirements in your area. How to Get a Quote Getting covered is simple. Start by answering a few questions about your program, then receive a custom quote tailored to your needs. Get a quote now. Frequently Asked Questions Is pre-school accident insurance required by law?Requirements vary by state. Some states mandate coverage as part of licensing, while others do not. Always check with your local authority. Does this insurance cover injuries during field trips?Many policies include coverage for supervised off-site activities, like field trips, but it's important to confirm the details with your provider. Is this the same as general liability insurance?No. General liability covers third-party claims of injury or property damage, while participant accident insurance provides benefits for injuries to enrolled children or staff during covered activities. Can parents use their own health insurance instead?Yes, but accident insurance can help cover deductibles or out-of-pocket costs not covered by a family's health plan. It acts as supplemental coverage. What happens if an accident occurs outside school hours?Coverage typically applies only during supervised, school-sponsored activities. Injuries that happen outside of those times may not be covered. Still have questions? Talk to a local insurance expert.

Policy Highlights — Church Insurance Colonial General Insurance Agency, Inc. offers a dedicated Church Insurance program designed for houses of worship and related operations. The program is available on a mono-line or packaged basis and is underwritten with features agents need when placing church, parish, chapel, and other faith-based risks. Overview of the Program This program provides primary and excess liability capacity, property coverage options, crime protection, and specialized liability extensions that matter to congregations — including clergy counseling E&O and coverage for daycare/preschool operations. Colonial General places business in admitted and non-admitted markets depending on state and risk characteristics (Some Available Markets). Coverage Highlights and Advantages Commercial General Liability: Primary limits up to $3,000,000 occurrence/aggregate. Specialized Liability Extensions: Clergy counseling Errors & Omissions and E&O for daycare/preschool operations. Abuse Coverage: Sexual/physical abuse limits available — typically $100,000 per claim / $300,000 aggregate (limits vary by market). Included Protections: Medical payments ($5,000), additional interests, and options for excess/umbrella limits up to $25,000,000. No deductible required on certain liability placements (subject to carrier and state availability). Property: Basic, Broad, or Special forms for building, contents, business income, computer equipment, equipment breakdown, fine arts floaters, food spoilage, outside signs, valuable papers, and options for replacement cost or actual cash value. Crime: Inside-the-premises theft of money and securities; inside robbery or safe burglary of other property; and outside-the-premises theft coverage. Ideal Accounts and Appetite This program works best for small to mid-size congregations and worship facilities that operate typical religious services, community outreach programs, fellowship events, and optional childcare/preschool activities. Appetite includes: Parishes, churches, chapels, and mission sites Facilities with on-site daycare or preschool programs Properties with fine arts, historic elements, or volunteer-run programs Accounts with recent or multiple severe sexual abuse claims, uncontrolled volunteers with unsupervised access to children, or very large exposures may require supplemental underwriting or placement in specialty markets. Underwriting Notes Admitted vs. non-admitted availability varies by state and the insured’s loss history; Colonial General can access admitted carriers in some markets and E&S capacity where needed. Detailed information about childcare operations, background checks, volunteer screening, building values, and protection systems will accelerate quotes. Minimum premiums and binding thresholds depend on the carrier selected; submit full ACORD applications and current loss runs for prompt review. Territories and Licensing Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage offerings, admitted status, and specific limits vary by state and carrier. Why Place Church Business with Colonial General As a Managing General Agency and Excess & Surplus lines broker, Colonial General combines targeted church underwriting with access to multiple admitted and E&S markets. The program’s strengths are its specialized liability extensions (clergy counseling E&O and daycare E&O), abuse coverage options, flexible property forms, and significant umbrella capacity. Colonial General is positioned to help brokers find tailored solutions for faith-based clients where standard markets may be limited. Example Accounts A suburban church with a 150-person congregation, weekday preschool program, and community outreach events — needs primary liability, abuse coverage, and E&O for counseling staff. A rural historic chapel with valuable artwork and a small volunteer-run food pantry — needs special-form property with a fine arts floater and crime coverage for donation handling. Frequently Asked Questions What types of church accounts fit this program?Small to mid-size houses of worship, chapels, and mission sites that run services, community programs, and optional childcare/preschool operations are a good fit. The program is built for congregations that need specialized liability extensions like clergy counseling E&O and abuse coverage. Which states and admission options are available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General can access admitted carriers in some markets and E&S capacity where necessary; availability depends on the state and the specific risk profile. Do you offer abuse and clergy counseling coverage?Yes. The program offers sexual/physical abuse limits (commonly listed as $100,000 per claim / $300,000 aggregate in many markets) and clergy counseling E&O. Exact limits and terms depend on the carrier and underwriting review. What underwriting information speeds a quote?Provide a completed ACORD application, current loss runs, details on childcare operations and volunteer screening, building values and protection systems, and any contracts or rental exposures. These items help underwriters place the risk efficiently. Is property coverage available on replacement cost?Yes. Property can be written on replacement cost or actual cash value, with form options including Basic, Broad, or Special and add-ons such as equipment breakdown, fine arts floaters, and business income. Need help placing an account? Connect with a market specialist.