Colonial General Insurance Agency

 

 

 

 

 

 

 

 

Day Nursery or Preschool

  • Policy Highlights:

  • Property and Liability coverages available on monoline or package basis for day care centers, in-home day care, before and after school programs, sick-child day care, and child care associated with other organizations (hotels, clubs, YMCA/YWCA, churches, etc.).

  • CGL Coverage available:

  • • Primary limits up to $3 million occurrence/aggregate

  • • Per child premium basis—based on average daily attendance

  • • Excess or Umbrella limits up to $25 million

  • Included Coverage:

  • - Additional Interests

  • - Errors & Omissions Coverage Part—Policy Limits

  • - Medical Payments—$5,000 limit

  • - Sexual/Physical Abuse Coverage:
  • - Day Care Centers—$100,000 per claim, $300,000 aggregate

  • - In-Home Day Care—$25,000 per claim, $50,000 aggregate
  • (Higher optional limits available)

  • - No deductible required

  • - Loss Prevention Brochure available

 

  • Property Coverage available:

  • • Accounts Receivable

  • • Basic, Broad, or Special Form

  • • Building

  • • Business Income

  • • Computer Equipment

  • • Contents

  • • Equipment Breakdown

  • • Food Spoilage

  • • Outside Signs

  • • Replacement Cost or Actual Cash Value

  • • Valuable Papers

    Crime Coverage available:

  • • Inside the Premises—Theft of Money and Securities

  • • Inside the Premises—Robbery or Safe Burglary of Other Property

  • • Outside the Premises