HOME DAYCARE/PRESCHOOL PROGRAM
WHO CAN QUALIFY?
Our program was developed and designed for KANSAS Licensed Child Care
Facilities only.
· Registered Home Daycares
· Licensed Home Daycares
· 24 Hour Child Care Centers
· Drop-in-Centers
· Latch Key Operations
· Montessori Preschools
· Head Start Programs
WHO IS
THE INSURER?
This program is underwritten by Capitol Indemnity Corporation, an admitted
Carrier with an A.M. Best rating of A+ Superior. They have provided insurance
for Child Care Facilities for over 30 years and continue to provide a
comprehensive policy at a very competitive premium.
HOW DO
I APPLY?
To apply, please contact us for an application. Upon receipt of your application, we
will provide you with a proposal.
You will then advise us if the proposal is acceptable and, once your
premium has been received by our agency, coverage is bound. To receive your
application, please contact us at:
Anderson Peck Agency, Inc.
WHAT AM I BUYING?
Our program includes both property and liability insurance for eligible
risks. The following is a schedule
of insurance coverage included or available.
PROPERTY COVERAGE
GENERAL LIABILITY COVERAGE
Building and/or
Contents
Occurrence Form
Applies
Medical
·
Special Form Coverage
Liability & Medical General
Expense
·
Property Deductible - $250 Minimum
Expense
Occurrence
Aggregate
Products (Per Person)
·
4% Building Limit Automatic Increase
_______________
________ _______ _________
300,000
600,000 600,000 5,000
The
Additional Coverages Below Are In
500,000
1,000,000 1,000,000
5,000
Addition
to the Limit of Insurance
1,000,000
2,000,000 2,000,000
5,000
·
Business Income is Included on an Actual Loss Sustained
1,000,000
3,000,000 3,000,000
5,000
Basis
With a 12 Month Limitation (extra
expense included)
·
Business Income Civil Authority – Three Weeks (no
waiting period)
Premises and Operation Liability for Third Party
Equipment
Breakdown Coverage – Time Element Bodily Injury and Property
Damage Claims.
· Utility Services
– Time Element
$100,000 Fire Legal Liability (higher limits available)
·
$1,000 Fire Department Service Charge
·
$5,000 Increased Cost of Construction
Products Liability for Claims Arising from Food
or
·
$10,000 Pollutant Clean Up and Removal
Beverages
You Serve
The Additional Coverages
Below Are Included
Medical Payments for Payment of Medical
Expenses
In
the Building or Personal Property Limits
for Customers On Your Premises Whether or Not You Are
·
Building Owner Glass Coverage (tenant building
Proven Legally Responsible (a limit of $5,000 per person)
glass optional) (students
included)
·
Collapse
·
Debris Removal
Incidental Medical Malpractice for Claims Arising
·
Equipment Breakdown Coverage
Out of the Rendering of or Failure to Render First Aid by
·
Utility Services – Direct Damage
an
Insured Person Other than a Medical Professional
·
Preservation of Property
·
$25,000* Water, Other Liquids, Powder or Molten Personal Injury for Libel, Slander and Similar Damages
·
Material Damage
·
$2,500* Forgery and Alteration (higher limits are available)
Employees Are Covered as Insureds
·
$1,000* Money Orders and Counterfeit Paper Currency Volunteers Are
Covered as Insureds
Limited
Abuse or Molestation Coverage
*Subject to Property Limit of Insurance Shown
in the Declarations Page at Liability Deductible - None