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IPMG offers a specialized Childcare Insurance program tailored to meet ...itable for both small and mid-sized childcare operations. Is Sexual Abuse Liab...

...at understands social service transportation risks. Focus on practical under...s that provide incidental client transportation—such as trips to appointments,...

...lus Lines broker with focused transportation products for the child care indus...e limited. The MGA’s emphasis on transportation risks for child care providers...

...aff training, supervision and transportation exposures. Ideal Accounts and Ap...y activities, and details on any transportation exposure to ensure accurate un...

...tudios, and physical therapists. Childcare services offered on premises for cl...fices. Facilities that offer member childcare or wellness services are also eligible. Is childcare coverage included in the policy?Yes, coverage is available for childcare provided to club members while o...

... fellowship events, and optional childcare/preschool activities. Appetite incl...tion, current loss runs, details on childcare operations and volunteer screeni...

...ices. Clubs that provide on-site childcare to members are also eligible. Idea...modates facilities offering on-site childcare for members during workouts. Is ...

...th-based transport Daycare and childcare transport vans Van pools and empl...M brings deep niche expertise in transportation products and a hands-on approa...

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Day Nursery Insurance program designed for a wide range of child care operations. Whether your client operates a licensed day care center, an in-home daycare, or a child care service affiliated with another organization (such as a YMCA, church, hotel, or club), this program provides the specialized coverage they need to protect children in their care and their business alike. Ideal Accounts and Appetite This program is an excellent fit for: Licensed day care centers In-home child care providers Before and after school programs Sick-child day care operations Child care services affiliated with other businesses or nonprofits Accounts should have clearly defined safety protocols, licensed staff, and meet applicable local and state regulations. Higher-risk operations may be considered on a case-by-case basis, with excess and optional limits available to meet unique needs. Coverage Highlights and Advantages Commercial General Liability: Primary limits up to $3 million occurrence/aggregate Rated on a per-child basis using average daily attendance Excess/Umbrella limits up to $25 million Included Liability Enhancements: Additional Interests Errors & Omissions Coverage (Policy Limits) Medical Payments – $5,000 limit Sexual/Physical Abuse Coverage: Day Care Centers: $100,000 per claim / $300,000 aggregate In-Home Day Care: $25,000 per claim / $50,000 aggregate (higher limits available) No deductible Loss prevention brochures available Property Coverage Options: Available as monoline or part of a package Basic, Broad, or Special Form Building and Contents Business Income Computer Equipment Equipment Breakdown Food Spoilage Outside Signs Accounts Receivable Valuable Papers Replacement Cost or Actual Cash Value options Crime Coverage: Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes and Minimum Premiums Coverage is available on both a monoline and package basis. Premiums are based on average daily attendance and adjusted based on selected coverage limits and optional endorsements. No deductible is required for many standard coverages, including abuse and molestation coverage. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Both admitted and non-admitted markets are available, depending on the risk profile and state guidelines. Why Work With Colonial General Insurance Agency, Inc.? Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with deep expertise in niche commercial programs. They provide access to a variety of carriers and offer flexible solutions for child care accounts with unique needs. Their team understands the exposures faced by day care providers and works closely with agents to deliver tailored coverage and responsive service. Whether you're working with a small in-home provider or a multi-location child care center, Colonial General makes it easier to quote and place these accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed day care centers, in-home child care providers, after school programs, and child care services affiliated with organizations like churches, hotels, and clubs. Is coverage available for abuse and molestation claims?Yes, the program includes Sexual/Physical Abuse Coverage with varying limits depending on the type of facility. Higher limits are available upon request. How is the premium calculated for liability coverage?Premiums are based on a per-child basis, using the average daily attendance to determine exposure and pricing. Can I write just liability or just property coverage?Yes, coverage is available on a monoline or package basis, providing flexibility depending on your client’s needs. Which states is this program available in?This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Need help placing an account? Connect with a market specialist.