Eligible classes and basic appetite
Eligible List of Classes:
Daycare, Preschool, After School Care, Montessori Schools up to age 7
Ineligible Classes:
In-home facilities, Part of religious organizations
Overview for agents
Use AFC's Commercial Child Care Insurance program when you need a program that understands exposures unique to licensed child care centers — supervision, staff screening, professional liabilities related to education and care, playground and premises exposures, and transportation exposures when auto coverage is required. The program is designed to package common coverages for ease of placement while allowing tailored limits and endorsements where appropriate.
Coverage highlights and advantages
- Core coverages: General Liability, Professional Liability, Property, Commercial Auto, Workers' Compensation, Umbrella, Directors & Officers.
- Package capability: Ability to combine primary liability and professional liability to address injury and allegation risks commonly seen in childcare claims.
- Flexible placements: Multiple carrier relationships — carriers vary by state and submission — giving you options for admitted and non-admitted placements where available.
- Underwriting expertise: Appetite focused on licensed commercial centers and small private preschools, with attention to staff-to-child ratios, licensing history, and safety programs.
Ideal accounts and examples
The program is best for licensed, brick-and-mortar child care businesses with consistent licensing and payrolls that fall within the program's size guidelines. Typical good fits include:
- A licensed daycare center with mixed-age classrooms, playground, and a small van used for field trips — needing GL, professional liability, and commercial auto.
- A Montessori-style preschool (up to age 7) seeking a package with property, liability, and a small umbrella layer for added limits.
Underwriting notes and minimums
Underwriting focuses on licensing status, staff screening and training, facility safety (playground surfacing, secure entry), transportation practices, and claims history. Ineligible risks include in-home daycare operations and programs that are run as a part of a religious organization. Minimum premium and specific appetite can vary by carrier and state — see carrier guidelines on a submission-by-submission basis.
Territories and admitted status
AFC's program is available in most states. Availability is listed below and admitted vs. non-admitted options vary by state and carrier:
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY
Why place with AFC Insurance Inc.
- Program administrator access: Multiple carrier relationships let AFC match a child care account to the appropriate market.
- Practical underwriting: Underwriters with experience in child care exposures help structure coverages and endorsements that agents need to close deals.
- Responsive packaging: Ability to combine liability, professional, property and ancillary lines for a single submission, reducing placement time.
Submission tips
- Include current licensing documentation, facility layout (indoor/outdoor play areas), staff-to-child ratios, employee screening and training programs, and any transportation policies.
- List prior claims and losses with description and payments; clean loss runs improve placement options and pricing.
- Note any special programs (nap time policies, swim lessons, special-needs services) that may affect underwriting.
Additional program notes
Carriers vary by state and the program administrator evaluates each submission for the best admitted or non-admitted option. Minimum premiums and specific term offerings are carrier dependent and can vary by state.