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Commercial Child Care and Nursery School Insurance from Cochrane & Company This specialized insurance program from Cochrane & Company is designed for agents and brokers seeking comprehensive coverage solutions for licensed commercial child care centers and nursery schools. Whether your client operates a small preschool or a multi-location child care facility, this program offers tailored protection to address the unique risks of working with children and families. Target Classes and Ideal Accounts This program is built for commercially licensed child care centers and nursery schools. Ideal accounts include: Daycares and preschools with structured curriculums Facilities offering full-day or part-day programs Programs with on-site playground equipment, meal service, and off-site field trips Centers employing directors, assistant directors, and licensed staff Facilities must meet licensing requirements and operate on a commercial basis. Home-based care is not within appetite. Common Risks This Program Addresses Child care operators face sensitive and serious exposures. This program provides coverage for incidents such as: A child injured while using playground equipment False accusations of abuse or molestation made by a parent An employee accidentally spilling hot soup on a child Emotional distress claims from parents when proper permissions were not obtained Coverage Highlights This program offers robust features to give your insureds peace of mind: Professional Liability included at the General Liability limit at no extra cost Zero liability deductibles Child Molestation & Abuse coverage up to the General Liability limits, including Corporal Punishment Applies to all individuals, on and off premises Directors, assistant directors, and employees are included as insureds under Abuse/Molestation coverage Defense Cost reimbursement for false abuse allegations Medical Payments coverage automatically included for enrolled students Hired & Non-Owned Auto Liability available Expanded definition of Bodily Injury to cover emotional distress and mental anguish Available Limits and Underwriting Details Property values up to $3,000,000 in Protection Classes 1–8 Property values up to $1,000,000 in Protection Classes 9–10 Liability limits up to $1,000,000 per occurrence / $3,000,000 aggregate Abuse/Molestation limits up to $1,000,000 / $2,000,000 Excess or Umbrella coverage available up to $5,000,000 Minimum premiums vary depending on the account and coverage needs. Program Availability This program is available in most states on an admitted basis, including AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. If you have clients in these states, Cochrane & Company can provide competitive solutions tailored to their operations. Why Work with Cochrane & Company? Cochrane & Company is a trusted MGA with deep experience in niche insurance programs. Their underwriting team understands the operational and reputational risks child care facilities face daily. By partnering with Cochrane & Company, you gain access to responsive service, flexible underwriting, and a program designed to protect both your clients and their young students. To learn more about the Commercial Child Care and Nursery School Insurance program or to submit a risk, contact Cochrane & Company today. Frequently Asked Questions What types of child care facilities are eligible for this program?Commercially licensed child care centers and nursery schools are eligible. This includes daycares and preschools with structured programming and appropriate licensing. Does the program cover abuse or molestation claims?Yes, the program includes Child Molestation and Abuse coverage up to the General Liability limit. It also offers defense cost reimbursement for false allegations. Are field trip activities covered under this policy?Yes, coverage applies off premises and includes incidents related to field trips, provided proper protocols are followed. What is the maximum property value accepted?The program accepts property values up to $3,000,000 in Protection Classes 1–8 and up to $1,000,000 in Protection Classes 9–10. In which states is this program available?This program is available in AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY, mostly on an admitted basis. Need help placing an account? Connect with a market specialist.

Commercial Child Care and Nursery School Insurance from Cochrane & Company This specialized insurance program from Cochrane & Company is designed for agents and brokers seeking comprehensive coverage solutions for licensed commercial child care centers and nursery schools. Whether your client operates a small preschool or a multi-location child care facility, this program offers tailored protection to address the unique risks of working with children and families. Target Classes and Ideal Accounts This program is built for commercially licensed child care centers and nursery schools. Ideal accounts include: Daycares and preschools with structured curriculums Facilities offering full-day or part-day programs Programs with on-site playground equipment, meal service, and off-site field trips Centers employing directors, assistant directors, and licensed staff Facilities must meet licensing requirements and operate on a commercial basis. Home-based care is not within appetite. Common Risks This Program Addresses Child care operators face sensitive and serious exposures. This program provides coverage for incidents such as: A child injured while using playground equipment False accusations of abuse or molestation made by a parent An employee accidentally spilling hot soup on a child Emotional distress claims from parents when proper permissions were not obtained Coverage Highlights This program offers robust features to give your insureds peace of mind: Professional Liability included at the General Liability limit at no extra cost Zero liability deductibles Child Molestation & Abuse coverage up to the General Liability limits, including Corporal Punishment Applies to all individuals, on and off premises Directors, assistant directors, and employees are included as insureds under Abuse/Molestation coverage Defense Cost reimbursement for false abuse allegations Medical Payments coverage automatically included for enrolled students Hired & Non-Owned Auto Liability available Expanded definition of Bodily Injury to cover emotional distress and mental anguish Available Limits and Underwriting Details Property values up to $3,000,000 in Protection Classes 1–8 Property values up to $1,000,000 in Protection Classes 9–10 Liability limits up to $1,000,000 per occurrence / $3,000,000 aggregate Abuse/Molestation limits up to $1,000,000 / $2,000,000 Excess or Umbrella coverage available up to $5,000,000 Minimum premiums vary depending on the account and coverage needs. Program Availability This program is available in most states on an admitted basis, including AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. If you have clients in these states, Cochrane & Company can provide competitive solutions tailored to their operations. Why Work with Cochrane & Company? Cochrane & Company is a trusted MGA with deep experience in niche insurance programs. Their underwriting team understands the operational and reputational risks child care facilities face daily. By partnering with Cochrane & Company, you gain access to responsive service, flexible underwriting, and a program designed to protect both your clients and their young students. To learn more about the Commercial Child Care and Nursery School Insurance program or to submit a risk, contact Cochrane & Company today. Frequently Asked Questions What types of child care facilities are eligible for this program?Commercially licensed child care centers and nursery schools are eligible. This includes daycares and preschools with structured programming and appropriate licensing. Does the program cover abuse or molestation claims?Yes, the program includes Child Molestation and Abuse coverage up to the General Liability limit. It also offers defense cost reimbursement for false allegations. Are field trip activities covered under this policy?Yes, coverage applies off premises and includes incidents related to field trips, provided proper protocols are followed. What is the maximum property value accepted?The program accepts property values up to $3,000,000 in Protection Classes 1–8 and up to $1,000,000 in Protection Classes 9–10. In which states is this program available?This program is available in AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY, mostly on an admitted basis. Need help placing an account? Connect with a market specialist.

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.

...designed for commercial growers, nurseries, greenhouses, and independent garde...

Lawn Care Services, Tree Trimming, and Related Services Insurance Insurance Program Managers Group (IPMG) offers a specialized program for agents and brokers placing business for lawn care, landscaping, and tree service operations. The program provides access to A-rated markets that understand the unique liability, pollution, and equipment exposure these contractors face—whether they provide seasonal lawn maintenance, install and service sprinkler systems, perform tree trimming or removal, or operate nursery facilities. This program is designed for brokers seeking flexible, industry-focused solutions. IPMG underwriters evaluate operations by scope of work and safety controls, so both small residential lawn crews and mid-sized commercial landscaping contractors can find appropriate placements when their exposures fit the appetite. Target Classes and Ideal Accounts Lawn care and landscaping contractors (residential and commercial) Sprinkler system installation, maintenance, and irrigation specialists Tree trimming, pruning, and removal services Nursery and greenhouse plant care operations Companies that apply herbicides, pesticides, or fertilizers as part of services If you have a client who runs a small team trimming trees and maintaining residential lawns, or a mid-sized landscape contractor that provides grounds maintenance and irrigation services, this program is a practical option to explore. Coverage Highlights Commercial General Liability – Third-party bodily injury and property damage protection tailored to outdoor service exposures. Contractors Pollution – Coverage for chemical applications and pollution liability tied to herbicide, pesticide, and fertilizer use. Inland Marine – Protection for contractor tools, equipment, and portable gear essential to operations. Excess Liability / Umbrella – Additional limits for higher-severity exposures and larger projects. Coverage can also extend to plants, shrubs, and other vegetation while under the insured’s care, custody, and control, depending on the submission and selected options. Underwriting Notes and Minimum Premiums Minimum premiums typically range from $500 to $750 per line of coverage. Program is placed with non-admitted carriers rated A or higher in the eligible states. Underwriters prefer clean safety records, defined scopes of work, trained staff, and documented pesticide/herbicide application procedures. For faster quoting, include a completed application, current loss runs, and a clear description of operations (including whether subcontractors are used and any certificate controls). Program Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Missouri (MO) Indiana (IN) Iowa (IA) Note: The program is written on non-admitted paper in these states. Why Work With IPMG IPMG brings deep underwriting experience and established carrier relationships within the lawn care and landscaping niche. Their state-based contacts deliver responsive service and practical, risk-aware solutions. As a broker, you benefit from an underwriting team that understands equipment exposures, chemical application risks, and the operational differences between residential and commercial accounts. Example fits: A residential lawn care firm with 3–6 employees that provides weekly mowing, fertilization, and occasional pesticide treatments. A mid-sized landscape contractor that handles commercial grounds maintenance, irrigation system service, and selective tree pruning—with documented safety programs and endorsed pollution controls. Reach out to the appropriate contact for your state to discuss submissions and get quotes: Matt Becker (IL, IN, IA) (630) 485-5952 [email protected] Barbara Commings (FL) (855) 377-4764 Ext 5222 [email protected] Leona Greeves (MO) (314-293-9700) Ext 9705 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for businesses offering lawn care, landscaping, sprinkler system services, tree trimming and removal, and plant nursery operations. Accounts that regularly apply herbicides or pesticides are also eligible. Is this program available on admitted paper?No, this program is written on non-admitted paper with A-rated carriers in the eligible states. What is the minimum premium required?The minimum premium ranges from $500 to $750 per line of coverage, depending on the specific risk and coverage selected. What states is this program available in?The program is currently offered in Florida, Illinois, Missouri, Indiana, and Iowa. What coverages are included in the program?Available coverages include Commercial General Liability, Contractors Pollution, Inland Marine for contractor tools, and Excess/Umbrella Liability. Need help placing an account? Connect with a market specialist.

...or NC and VA PRE-SCHOOL NURSERIES LICENSED COMMERCIAL D...

Day Care and Preschool Insurance Solutions Through A.I.I. Insurance Brokerage of MA A.I.I. Insurance Brokerage of MA provides a specialized Excess & Surplus (E&S) insurance program for day care centers and preschools across New England. As an experienced E&S broker, we place accounts that may not fit standard markets by leveraging relationships with multiple non-admitted carriers. This program addresses the key exposures faced by early childhood education facilities, including both for-profit and nonprofit operations. Ideal Accounts and Appetite The program is designed for licensed day care centers, nursery schools, Montessori schools, and preschools serving infants through pre-K. We can consider small in-home day cares up to mid-sized commercial facilities. Preferred accounts have documented safety procedures, staff background checks, staff-to-child ratios that meet licensing standards, and structured curricula. We will also consider nonprofit and faith-based programs. Facilities offering limited transportation or after-school programs may qualify but will be evaluated for additional exposures. Coverage Highlights and Advantages This E&S program offers flexible coverage forms to protect child care operators from common and specialized risks. Key coverages include: Abuse & Molestation: Important protection for allegations of misconduct involving staff or volunteers. Commercial General Liability (CGL): Liability for bodily injury, property damage, and personal/advertising injury. Equipment Breakdown: Coverage for mechanical and electrical failure of essential systems such as HVAC and kitchen appliances. Miscellaneous Professional Liability: Defense and indemnity for claims arising from professional services provided by staff. Real & Business Personal Property: Coverage for buildings (when applicable), contents, furnishings, play equipment, and educational materials. Policies are typically placed on a non-admitted basis through various E&S markets, giving underwriters flexibility on terms and endorsements. Underwriting Notes and Minimum Premiums Minimum premiums vary by operation size, enrollment, services offered, and location. Typical submissions should include a completed application, current loss runs, and a detailed description of operations (hours, number of children by age group, staff credentials and screening procedures, transportation details, and safety protocols). Facilities with frequent or large losses, licensing violations, or insufficient safety controls may be difficult to place. Early disclosure of exposures such as transportation, overnight care, or unsupervised field trips helps avoid delays. Territories and Availability This program is available to licensed agents in Connecticut, Massachusetts, New Hampshire, and Rhode Island. If you place daycare or preschool business in these states, A.I.I. Insurance Brokerage of MA can assist with E&S placement options. Why Work With A.I.I. Insurance Brokerage of MA? With deep knowledge of New England child care exposures and access to multiple non-admitted carriers, A.I.I. Insurance Brokerage of MA helps brokers place challenging or specialized accounts. Our team focuses on practical underwriting and tailoring coverage to each facility’s operations. Example scenarios that often fit our program: you may have a client who expanded their preschool to a second location or one who added limited transportation and after-school enrichment programs — both introduce new liabilities and may be better suited to E&S markets. We work with agents to package submissions that highlight risk controls and reduce friction in placement. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed day care centers, preschools, nursery schools, and Montessori-style programs with documented safety procedures and staff screening are ideal candidates. Is the program available for home-based day care providers?Yes. Smaller in-home day care operations may be eligible depending on enrollment, services offered, and the provider’s controls and licensing status. Which states is this program available in?The program is available to licensed agents in Connecticut, Massachusetts, New Hampshire, and Rhode Island. What documents are needed to submit a quote?Provide a completed application, current loss runs, and operational details such as enrollment by age, staff screening procedures, hours of operation, and any transportation or after-school activities. Are nonprofit or faith-based child care centers eligible?Yes. Nonprofit and faith-based facilities are generally considered if they meet licensing and safety requirements and provide the requested submission materials. Need help placing an account? Connect with a market specialist.

... Livestock and Horse Farms Nurseries and Greenhouses Cotton and Citr...deal for farms, ranches, vineyards, nurseries, and large commercial agribusine...

K&K’s health club basic service insurance program is designed for U.S.-based owners and operators of health and fitness clubs and/or tennis/racquet clubs offering programs and services for members and guests that may include: circuit training, personal training, aerobics, yoga, pilates, free weights, resistance machines, cardio machines, a variety of exercise group classes, strength training, non-contact martial arts, basketball/volleyball, racquet sports, whirlpool/hot tubs, saunas/steam rooms, massage, nursery/babysitting, nutritional weight control, tanning, pro shops, snack/juice bars and 24-hour key card access facilities. Eligible Operations for Health Club Basic Service Insurance: - Health club insurance - Fitness and training center insurance - Gym insurance - Exercise club insurance - CrossFit Affiliate Facility insurance Coverages Available & Program Highlights: General Liability - Products-completed Operations - Personal and Advertising Injury - Bodily Injury to Participants - Professional Liability - Damage to Premises Rented To You - Medical Expense Limit - Hired Auto and Employers' Nonownership Liability (not provided in IL, LA, UT, VT and WI) Optional Coverages - Inland Marine - Supplies and Inventory - Equipment and Contents - Improvements and Betterments - Signs - Abuse, Molestation or Exploitation Defense Reimbursement Coverage - Liquor Liability - Excess Liability - Liability for Independent Contractor (non-employees) - Sexual Abuse or Sexual Molestation Liability Common Associated Exposures: - Group exercise classes - Pro Shops - Massage - Saunas/steam rooms - Nursery, baby-sitting - Snack/juice bars - Nutritional weight control - Tanning - Personal training - Whirlpool/hot tubs - Pilates - Yoga Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

..., or row crops Vineyards and nurseries with seasonal or migrant labor forc...h as farms, vineyards, ranches, and nurseries—particularly those with seasonal...