Daycare Center Insurance Solutions

David Dempsey Daycare Center Program covers:

  • For-profit commercial child care centers
  • Not-for-profit commercial child care centers
  • Nursery schools
  • In-Home Child Care
  • Before-and after-school programs
  • Montessori schools (Kindergarten and under)

Ineligible Classes

  • Unlicensed day care centers
  • Drop-off facilities
  • Temporary babysitting services in malls, convention centers, etc.

Program Coverage Features

  • Property
  • Building and business personal property
  • Business income
  • Business income extension endorsement, actual loss sustained
  • Systems breakdown
  • General liability: Limits to $1 million per occurrence/$3 million aggregate
  • General liability enhancements available
  • Child abduction expense reimbursement
  • Employee benefits liability
  • Medical personnel, including employed and volunteer physicians
  • Off premise activities
  • Professional liability
  • Abuse and molestation: up to umbrella on most risks
  • Volunteer and employees as insureds
  • Umbrella liability: Follows form, with limits to $10 million available
  • Auto
  • Accident medical
  • Crime
  • Inland marine
  • Workers’ compensation  (May be available through FirstComp for some accounts in selected states)

Risk Management Resources

  • Access to safety guides and risk management tips and news alerts via our risk management library
  • Discounted background checks
  • online driver education courses
  • child abuse risk management services
  • online program training courses
  • Access to Loss Control Department for questions


Contact David Dempsey for Daycare Center Insurance Quotes