Gateway Specialty Insurance has top rated markets to quote package or monoline insurance for a childcare or daycare.
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Coverage for a residential or commercial childcare/daycare can include:
General Liability Directors and Officers Liability Employment Practices Liability Abuse and Molestation Special Events Professional Liability Property Equipment Breakdown Business Income Cyber Liability Auto Umbrella Inland Marine Employee Benefits Liability Blanket Additional Insureds
Directors and Officers Liability
Employment Practices Liability
Abuse and Molestation
Employee Benefits Liability
Blanket Additional Insureds
Childcare insurance claim examples
General Liability Claim:
Tyler, a student, fell off the swing at the childcare playground. His front two teeth were knocked out. He incurred $2,000 in dental work. Tyler’s mother filed a claim for the dental expenses and an additional $5,000 alleging emotional distress.
Professional Liability Claim:
Sally’s mother claims that child care center failed to render professional service in the administration of their education program. Sally had failed to identify enough colors and shapes to pass an entrance exam to a private school. Sally’s parents are suing for the cost to hire a special tutor and a refund of their tuition paid to the child care center.
Abuse and Molestation Claim:
A disgruntled parent claims her child had bruises on his arm. When asked, her child stated his teacher hurt him. Charges filed include improper hiring, improper training of employees, and failure to protect the child from harm. Attorneys are hired to defend the school against these charges. The case is dismissed after an investigation fails to prove any abuse occurred. The center’s defense costs amount to $25,000.
Hired / Non-owned Auto Claim:
The owner Beth asked Molly an employee of the care center, to run to the store for craft supplies for the holiday project. While driving to the store Molly rear-ends another car at a stop sign causing $4000 worth of property damage and $9,000 in bodily injury to the other driver and automobile.
Certain Civil/ Criminal Defense Cost Reimbursement* Claim:
Doug, a student, stated to his mother that an employee of ABC Child Care touched him inappropriately. Doug’s mother then filed a report with the local police, who then filed criminal charges against the employee. The employee claimed her innocence and, while defending her good name and reputation, incurred $30,000 in criminal defense costs. The charges were later dropped, when Doug admitted that he had fabricated the story to get back at Lauren for not allowing him to go outside when it was raining. She was reimbursed for all of her defense costs.
Medical Payments Claim:
Michael and John, both students at a local childcare center, were playing with matchbox cars when they both decided that they wanted to play with the red sports car. Michael, determined to play with his favorite car, pushed John causing scrapes and abrasions on his arm. After receiving a phone call from the center, John’s mother picked John up and took him to the hospital. The injuries resulted in a $2,000 bill for services provided by the hospital.