Product AdvantagesNo liability deductibleCan consider risks with special needs childrenCan consider risks with petsCan consider risks with drop in exposureEligibility CriteriaRisks with off premises swimming activities at public poolsRisks with no other operations other than child careNo more than 2 losses or claims in the past three yearsIneligible RisksRisks with number of children exceeding license capapcityRisks with exposure to adult day care operations on the premisesRisks with Nanny service, adoption service or referral operationsRisks with non-standard or homemade play equipmentRisks with only one means of egressRisks with employed or contracted physicians or nursesRisks with children above 15 years oldRisks with employees under the age of 18Risks dispensing medicine without documentation in a written logRisks not conducting background checks on all hires and volunteersRisks where children are left unsupervised at any timeRisks with actual incident involving abuse or molestationRisks with more than 2 losses in the past 5 yearsRisks located in Alaska or LouisianaAvailable LimitsMax property values of $3,000,000General liability $1,000,000 occurrence / $2,000,000 aggregateProfessional liability included in GL limitsAbuse & Molestation up to $100,000 / $300,000Up to $5,000,000 commercial umbrella availableSubmission RequirementsOur completed application, signed by insured in order to bindRepresentation of losses for the past 3 years or as long as the applicant has been in business if less than 3 yearsAcord 125
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