a bright future for today s children and your business ... · pdf fileccnsp-nr 10/14 we...

Abram Interstate Insurance Services, Inc.2211 Plaza Drive, Suite 100, Rocklin, CA 95765

Phone: 916 780 7000

Why Coverage is Important:

Abuse and molestation coverage is available in the event a claim is brought against one of your employees

Defense cost reimbursement is available for false allegations of abuse and molestation

Professional liability coverage is provided at the general liability limit for no additional charge

Medical payments coverage is automatically provided for no additional charge

The most important part of running a commercial child care center is ensuring the safety and wellbeing of children. While providing care for children is a selfless business, the child care industry is one in which you can never be too safe. Accidents can happen in any industry; therefore, we want to help you become well-versed in potential claims, which could wind up costing your business thousands of dollars, as well as the various features and coverages offered through our product.

Specifically Designed for Child Care Centers Operating at a Commercial Level

Additional Advantages:

A Berkshire Hathaway Co.Fast serviceA++ rating by A.M. Best

COMMERCIAL CHILD CARE INSURANCE

A Bright Future for Today’s Children and Your Business with the Commercial Child Care Product

This document does not amend, extend or alter the coverage afforded by the policy. For a complete understanding of any insurance you purchase, you must first read your pol-icy, declaration page and any endorsements and discuss them with your agent. A sample policy is available from your agent. Your actual policy conditions may be amended by endorsement or affected by state laws.

FS-CM-CCC-10-14

Why Coverage is Necessary:

Coverage for

Child Care Centers Operating at a Commercial Level

Most Common Ineligible Risk Characteristics:

Outside play area is not fully fencedChildren are left unsupervised at any time (including

nap time)Swimming pools or wading pools deeper than 24 inches

on the premisesDoes not comply with established staff-to-student ratios

nor conducts background checks for all employees and volunteers

Eligible Risks:

New venturesBefore/After school programsNursery, pre-school or Montessori schoolsExtended hours100 percent drop in centersAny licensed capacity as long as it meets

state minimum requirements for staff-to-child ratios

A student fell off of a swing at the child care playground. His front two teeth were knocked out, incurring $2,000 in dental work. The student’s mother filed a claim for the dental expenses and an additional $5,000 alleging emotional distress.

An insured child care center was accused of failing to run a school that prevents bullying, and three children were afraid to go to school in fear of being bullied. Their parents filed suit against the school, saying the school failed to follow its own policy relative to preventing bullying. The parents demanded $100,000 per child for emotional distress damages to their children. The lawsuit resulted in a defense verdict, and the defense totaled more than $75,000.

An insured caregiver was accused of pinching and grabbing children to get them to comply with her demands. The children claim they have sustained bruises and mental anguish, and the lawsuit was filed against the child care center as well as the caregiver. It was alleged that the insured condoned corporal punishment. After investigation, the caregiver’s description of events was not consistent with the school’s policy regarding discipline of children. The school did not have any prior notice of these problems and after learning of the issues, terminated the caregiver. The claim was settled for an undisclosed amount.


Phone: 916 780 7000

COVERAGE FEATURESOUR

GROUPCOMPETITORS’

POLICY

Professional Liability automatically provided at the General Liability limit for no additional charge ?No liability deductibles ?Child Molestation & Abuse limits available up to General Liability limit - Definition includes Corporal Punishment ?Employees including Directors and Assistant Directors are included as Insureds under Child Molestation and Abuse

Coverage. ?Child Molestation and Abuse coverage applies off premise ?Child Molestation and Abuse Defense Cost coverage available outside the limit of Liability ?Child Molestation and abuse coverage applies to the act of any

individual ?Defense Cost reimbursement* available for false allegations of Child Molestation or Abuse against the facility owner operators,

and employees ?Medical Payments coverage automatically provided for no additional charge that includes coverage for enrolled students ?Hired and Non-owned Auto Liability coverage available ?

Why do Child Care Centers need to purchase Insurance? A child suffers bodily injury while on your playground equipment The parent of a child enrolled in your program makes a false charge of abuse or molestation against you One of your employees / volunteers trips and spills hot soup onto a child Emotional distress to the parent of a child enrolled in your program caused when you did not obtain a permission slip to take them on

a field trip

Why should you choose our Child Care Product?

The following are important features; make sure you have them all:

This document does not amend, extend or alter the coverage afforded by the policy. For a complete understanding of any insurance you purchase, you must first read your policy,declaration page and any endorsements and discuss them with your agent. A sample policy is available from your agent. Your actual policy conditions may be amended byendorsement or affected by state laws.

Commercial Child Care-Commercial-POS-10/14

Commercial Child Care Product

*Not available in New York


Phone: 916 780 7000

This document does not amend, extend or alter the coverage afforded by the policy. For a complete understanding of any insurance you purchase, you must first read your policy, declaration page and any endorsements and discuss them with your agent. A sample policy is available from your agent. Your actual policy conditions may be amended by endorsement or affected by state laws.

CCNSP-NR 10/14

We provide a comprehensive product for both commercial and residential Child Care facilities.

Broadest Coverage

Priced to Sell

POLICY FEATURES MAY INCLUDE: Professional Liability for no additional charge

Child Molestation and Abuse limits up to the General Liability

Limit with no Liability Deductible (Commercial)

Our definition of abuse includes corporal punishment

Medical Payments coverage automatically provided for no

additional charge for enrolled students

Defense Cost Reimbursement coverage for false Child

Molestation and/or Abuse allegations against the facility

owner, operators and employees

Employees including Directors and Assistant Directors are

insureds under Child Molestation and/or Abuse Coverage

(Commercial)

Hired and Non-Owned Auto coverage

Coverage for facilities that care for children with special

needs

Coverage for facilities with pets and field trips

Coverage for extended hour and overnight commercial Child

Care facilities and/or “drop in” centers

Special Form including Theft and Replacement Cost

coverage available

Equipment Breakdown coverage including spoilage of

perishable items

Value Plus Endorsement is available on accounts eligible

for Special form offering 14 optional coverages for one low

flat charge including: Signs, Money & Securities, Employee

Dishonesty, Accounts Receivable coverage and

much more

ADDITIONAL ADVANTAGES: A.M. Best rated A++ carrier

Quick quote turnaround

Superior policy issuance

Low minimum premium Policyholders have access to many services through our

Business Resource Center that will assist in growing andprotecting their businesses

Child Care and Nursery School Product


Phone: 916 780 7000

ClassroomsqGood visibility and sight lines; no obstructions to block

caregiver’s view of activitiesqTables, chairs and work stations are in good condition; no sharp

or protruding edges; items are sturdy and secureqToys are in good condition; no small or broken parts; toys are

suitable for age groupqAisle space is well maintained; exit doors are clear and

accessibleqFloors are cleaned daily; tripping and falling hazards are

removed immediatelyqElectrical outlets are covered; electrical appliances are grounded

and inaccessible to children; cords are in good conditionqFire drills are conducted and documentedqRoom has been tested for asbestos and lead paint with results

documentedqBook shelves are bolted to walls and are not subject to tipping over

Special ActivitiesqAdequate planning of routes and schedules for field tripsqPermission slips obtained from parent/guardian for all trips and

special classesqReview of instructors’ qualifications for special classes

(swimming, gymnastics, dance, etc.)qCertificate of insurance on file for all instructorsqAppropriate staffing for field trip supervisionqHead counts taken at all loading and transfer points during field trips

Playgrounds and PoolsqSeparation of age groups as appropriate; proper matching of

equipment for age group and physical abilityqEquipment checked for sharp edges, protruding bolts, broken

chairs, splinters, loose anchors or supports and a log is maintained of these checks

qMetal seats and equipment is checked for high temperature on warm sunny days

qSurfaces under equipment in good condition; cushioning material is replenished as necessary – surface and depth is in compliance with state regulations (log is maintained of these checks)

qPlayground area is fenced and separated from sidewalks, street and parking areas

qPool area isfenced; walking surfaces around pool in good condition

qWater depth clearly marked; shallow and deep ends separatedqAdequate supervision; certified lifeguards used at all timesqLifesaving equipment readily available for useqRecords maintained for water testing, cleaning and chlorinationqStorage of pool chemicals securedqGround fault circuit interrupters in place on all electrical

equipment

This is your passport to child care loss control to create a safer environment for the children you care for and your peace of mind.

USLI and your agent are committed to assist you in managing your loss exposures. The following checklist will help identify areas where you may need improvement and distinguish your business from your competitors.

Talk to your agent today if you have questions about what you find.

Child Care Loss Control Checklist


ChildCare-Passport 3/15

Infant RoomqCribs and bedding are in good condition; no missing hardware

that can lead to collapse, no missing or loose slats, mattresses are correct size for crib and cribs are in compliance with CPSC standards

qToys are in good condition; no small or removable parts and no sharp edges

qProper diaper storage and disposal proceduresqDisposable gloves are used during diaper changingqRegular cleaning of changing area and cribs with mild detergentqRegular hand washing proceduresqFirst aid equipment is readily available but properly storedqBottle warmers are placed in separate areas not accessible to

infantsqMicrowave oven is never used to warm bottlesqDoor hinge guards are utilized to avoid amputation of children’s

fingersqMedication is only administered with written authorization from

parent/guardianqManufacturer’s or physician’s instructions for dosage are

followed at all timesqLog is maintained for each child, recording dosage and time

medication is administered

Emergency ProceduresqFire drills are held regularly and documentedqFirstaid kits are inspected regularly and restocked as needed;

kits are equipped with disposable gloves and one way breathing apparatus

qTraining and recertification of first aid and CPR among staff, including blood borne pathogen program

qRegular testing and inspection of fire extinguishers, alarms smoke detectors, emergency lighting and panic hardware; annual testing of automatic sprinkler systems (records of checks kept on file)

qAccess maintained in parking area for emergency vehiclesqProper, secure storage of children’s medicationsqEmergency phone numbers are posted and on file

ExteriorqParking lot is free of debris and potholesqLighting is in good working conditionqSteps and sidewalks are in good conditionqSnow and ice removal equipment is availableqStorm sewers are clear of debrisqTraffic lanes are clearly marked

KitchenqKitchen area is secured from access by childrenqFloors are free of grease and/or wetness that can result in fallsqUtensils are properly stored so they are not accessible to childrenqFoods are properly covered, stored and rotated for freshnessqProper cleanup and trash removal dailyqNo grease build-up on appliances, filters, hood or ductsqExtinguishing equipment is inspected, tagged with current date

and readily accessibleqCleaning supplies is stored in locked cabinet

SecurityqExterior fencing is secureqDrop-off and pick-up procedures are in effect with signature logs

maintainedqPlaygrounds and pools are completely fencedqEntrance lobby is supervised and monitored at all timesqPanic hardware is on exit doors operating properlyqAll classrooms/infant rooms have two means of egressqClosets and bathrooms are equipped with non-locking doorsqChildren are not allowed outside of building unescortedqChildren are only released to adults authorized by custodial

parent/guardianqClosing inspection is performed daily

VehiclesqMotor vehicle reports of all drivers are reviewed regularlyqTraining and review sessions for all drivers, covering proper

speed for conditions, backing, signaling and safe following distance

qProper training of loading and unloadingqRegular documented inspection of vehicles, including seat belts,

doors, windows, tires, signals, lights, wipers and washersqSeat belts and child seats are used at all timesqMaintenance logs and records are on fileqHead counts are taken at all loading and unloading pointsq If employees’ vehicles are used – order motor vehicle reportsqObtain certificates of insurance from employees or hired drivers;

employee or hired drivers have adequate limits

Date: __________________________________________________

Name: _________________________________________________

Findings:_______________________________________________________

_______________________________________________________

_______________________________________________________

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_______________________________________________________

_______________________________________________________

Action Taken:_______________________________________________________

_______________________________________________________

_______________________________________________________

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Phone: 916 780 7000

Child Molestation & Abuse CoverageNot all forms are equal! Why settle for limiting forms when you have access to the broadest coverage in the industry?

Statistics show that over 90% of Molestation and Abuse allegations against Child Care Providers are false! However, providers spend thousands of dollars defending their good names and clearing their reputations.


Child Abuse-NR 10/14

*Not available in New York

COMMERCIAL COVERAGE FEATURES INCLUDE:Limits up to $1,000,000/$1,000,000 are available

No Deductible

Coverage applies off premises (including field trips)

Broadened definition includes not just Sexual, but CorporalPunishment/Physical and Mental Abuse

Coverage is triggered by acts of any individual on the premises

Employees including Directors and Assistants are included as insureds.This coverage protects the center’s employees!

Unlimited Defense Costs available

RESIDENTIAL COVERAGE FEATURES INCLUDE:Limits up to $100,000/$300,000 are available

No Deductible

Coverage applies off premises (including field trips)

Broadened Definition includes not just Sexual, but Corporal Punishment/Physical and Mental Abuse

Coverage is triggered by acts of employees

DEFENSE COST REIMBURSEMENT*:Filed lawsuits will extend beyond the vicarious liability of

the center to name the actual individual accused of the act

In the event that criminal and/or civil charges are filed againstindividuals, we offer a unique coverage that will reimburse the alleged perpetrator for their defense costs once they are acquitted or charges are dropped

Employees including Directors and Assistants are included asinsureds. This coverage protects the center’s employees!

ADDITIONAL ADVANTAGES: A.M. Best rated A++ carrier

Quick quote turnaround Policyholders have access to many services through our

Business Resource Center that will assist in growing andprotecting their businesses

a bright future for today s children and your business ... · pdf fileccnsp-nr 10/14 we...

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