Latch Key Child Care Insurance

 
Your latch key child care program offers a supervised, developmentally appropriate environment for school-age children of working parents.

Your program serves as a link between home and school, offering learning activities, time to complete homework, and promote social, emotional, physical and intellectual development for each child.

We offer a specialty insurance program for licensed latch key child care programs that can protect the children, your staff and your business.

latch key child care insurance

The program provides loss prevention services and child care specific information. Our child care forms and coverages are reviewed annually, and we develop and adapt our insurance products to meet the changing needs of the child care industry.

When a claim occurs, our claims and legal professionals have decades of experience.

Please call or email Kevin Morency if you have any questions or to set up an appointment for a free comprehensive review of your insurance.

By taking the time to discuss your needs, he can tailor an affordable business insurance solution that offers peace of mind, yet still deliver a quote quickly.

If you prefer to complete our questionnaire, it’s easy to get started on your quote.

Our online questionnaire works great on smart phones, tablets, desktops and laptops.

Just click to get started…

To receive your quote…

  • Complete the questions
  • Preview your answers
  • Click “Submit” when you’re done.
  • You’ll get a “Thank you” screen to tell you we received the form.

Specialty Insurance for Licensed Latch Key Child Care Providers

Property & Casualty

Our Child Care Program protects your business with these Property & Casualty insurance coverages:

  • General Liability
  • Professional Liability
  • Abuse & Molestation
  • Abduction Coverage
  • Dispensing Medication
  • Food Preparation
  • Field Trips
  • Property
  • Crime
  • Business Income and Extra Expense (Actual Loss Sustained)
  • Auto
  • Umbrella

Requirements:

  • Must be Licensed or Certified Childcare Operations (Registered in Iowa)

Exclusions:

  • Trampolines

Liability

General Liability

  • Limits up to $1 million per occurrence/$3 million aggregate – occurrence, not claims-made
  • Automatically includes Childcare Professional Liability
  • Premises & Operations
  • Products & Completed Operations
  • Personal & Advertising Injury
  • Damage to Premises Rented to You (Fire Legal)
  • Medical Payment Expenses coverage of $10,000 per student
  • Medical Payment Expenses coverage for volunteers
  • Defense Costs outside the limit of liability
  • No Liability deductibles (BI or PD)
  • Abduction coverage without BI or PD – $50,000
  • Professional License Review – $2,500 per review / $5,000 aggregate
  • Volunteers as Additional Insureds
  • Building Owner as Additional Insured

Optional Coverages:

  • Abuse & Molestation Coverage
  • Water Activities Coverage
  • Employment Practices Liability (stand-alone policy available)
  • Employee Benefits available up to $1 million (claims-made coverage)

Property

When we write your Building and Contents Coverage, the following property coverages are included:

  • Business Income – Actual Loss Sustained – including tuition and fees (no waiting period or deductible)
  • Communicable Disease / Water Bourne Pathogen (Business Income) – $50,000
  • Computers and Media – $25,000 (higher limits available)
  • Covered Property in the Open – up to 1,000 feet from premises
  • Spoilage – $10,000
  • Employee Theft (including Employee Benefit Plans) – $5,000 (higher limits available)
  • Extra Expense – Actual Loss Sustained
  • Fine Arts – $25,000
  • Forgery and Alteration – $5,000
  • Money and Securities (inside / outside) – $15,000 / $7,000 (higher limits available)
  • Ordinance or Law Coverage – if RCV coverage applies
  • Outdoor Fences – included
  • Outdoor (attached) Signs – included
  • Outdoor (detached) Signs – $10,000 (higher limits available)
  • Personal Property of Others – $25,000
  • Property at Conventions, Fairs or Exhibitions – $50,000
  • Property in Transit – $25,000
  • Utility Services Direct Damage, including overhead transmission lines – Full Coverage
  • Equipment Damage for electrical and mechanical system malfunction
  • Valuable Papers and Records – $250,000
  • Water Back Up; Sump Pump Overflow – $25,000
  • Workplace Violence – $100,000

Other Coverages

Optional Coverages:

  • Abuse & Molestation – Included in IL 
  • Water Activities Coverage
  • Directors & Officers (Not-for-Profit)
  • Employment Practices Liability (stand-alone policy available)
  • Employee Benefits available up to $1 million (claims-made coverage)
  • Workers Compensation

Umbrella Coverage:

  • Umbrella – limits up to $10,000,000
  • Optional Abuse & Molestation

Auto, Van & Bus Coverage

  • Commercial Vehicle Coverage
  • Hired Auto Liability
  • Non-Owned Auto Liability

Payment Plans

Our specialty business insurance coverages offer convenient, no interest payment options with flexible payment terms. So it’s easier to manage your bottom line.

Flexible Payment Terms—Pay as little as monthly

Choose the payment option that fits your budget. Because sometimes a smaller monthly payment is easier on you.

  • Monthly (12 payments)
  • Down payment plus 9 equal payments (10 payments)
  • Quarterly
  • Semi-annual
  • Annual

Convenient, No Interest Payment Options

Pick the method that works best for you…

  • Electronic funds transfer—$1 fee per installment
  • Online or by phone—$7 fee per installment

Prefer to Manage Only One Bill?

Complete coverage may be available for your business insurance needs in one comprehensive insurance package.

Call or email Kevin Morency today and receive a quick turnaround on your quote.

Note: Some payment options may not be available in all states.

Loss Prevention Services Include

 

  • Reality Alerts – information based on claims we see often and how to avoid them
  • Facility Walkthroughs
  • Employee and Volunteer Training