The next question you may be asking is how much liability insurance do I need to purchase.  No one really knows the answer to this question, as how do you put a value on the loss of a human life or an injury.  It is recommended that you purchase no less then $1 million dollars.  This amount would be the most an insurance company would pay in the event of a loss.  

Now that you know you need liability insurance for your daycare or preschool what is the next step.  You will need to find a company that can offer you coverage and has experience in placing insurance policies. 

Integrity Now Insurance Brokers, Inc has experience in placing this type of coverage with multiple insurance carriers.  We enjoy helping daycare facilities and preschool's structure an insurance program that meets your specific daycare needs, so you can do what you do best without worry. 

Key Benefits:

• General Liability

• Comprehensive General Liability – Limits to
$1,000,000 each occurrence/$3,000,000 aggregate
• Premises Liability
• Personal Injury Liability
• Abuse and Molestation coverage options
• Employee Benefits Liability
• Corporal Punishment coverage available

• Property

• Blanket limits with large in-house capacity
• Special Causes of Loss coverage
on buildings and contents
• Replacement cost endorsement
• Business Income included under the
Elite Property Enhancement Form

• Professional Liability

• Separate limits of $1,000,000/$3,000,0000 available

• Directors and Officers Liability

• Defense costs in addition to the Limit of Liability
• Most favorable venue wording for punitive,
multiple or exemplary damages
• Order of payments language with priority placed
on indemnifying Individual Insured first

• Automobile

• Owned auto
• Hired and non-owned auto
• Rental Reimbursement
• Towing
• Minimum physical damage deductibles of $500/$1,000

• Crime and Fidelity

• Money and Securities
• Money Orders and Counterfeit Paper Currency
• Employee Dishonesty

• Loss Control Services

• Product specific web-based loss control
solutions
• Free On-line interactive Defensive Driver
Training course and examination
• Regular E-Flyer communications on current
Loss Control issues and Large Loss Lessons Learned
• Strategic partnership with best in class vendor for discounted
background & motor vehicle record (MVR) checks

A preschool or daycare has a lot of different liability that need to be covered.  It is important that you work with an independent insurance agent who specializes in this type of coverage.  Integrity Now Insurance Brokers has the experience you need. Contact us today for your free insurance quote.

Please note that not all carriers offer the same key benefits as outlined above.  Depending on the insurance carrier we select some of the key benefits may change.