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