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...rogram for day care centers and preschools across New England. As an experienc...program?Licensed day care centers, preschools, nursery schools, and Montessori...

...to mid-size child care centers, preschools, and day-care providers (including ...ogram?Licensed child care centers, preschools, and family day care homes with ...

...or licensed daycare centers and preschools operating in North Carolina, Virgin...censed commercial daycare centers, preschools, licensed in-home daycares, afte...

...are centers, in-home day cares, preschools, and before/after-school programs. ...re centers, residential day cares, preschools, and operations with special exp...

...for licensed in-home providers, preschools, early learning centers, and commer...es, commercial child care centers, preschools, and early learning facilities t...

...ts include: Daycares and preschools with structured curriculums Fac...igible. This includes daycares and preschools with structured programming and ...

...ts include: Daycares and preschools with structured curriculums Fac...igible. This includes daycares and preschools with structured programming and ...

... K–12 schools, charter schools, preschools and daycare programs, vocational an...ate K–12 schools, charter schools, preschools/daycares, small vocational schoo...

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.

...gram?Nonprofit-run day schools, preschools, after-school programs, tutoring ce...