Child Care.

Call Burns & Wilcox and we’ll tempt you with great rates, flexible coverages, plus a quick turn-around. That combination and our professional service has made us the largest independently owned insurance wholesaler in the United States, with more than 30 offices nationwide. Trust Burns & Wilcox, your specialty insurance professionals.

Policy Features May Include:

• Professional liability at no additional charge
• Child molestation or abuse limits up to the general liability limit with no liability deductible (commercial)
• $5,000 of medical payments coverage at no charge
• Defense cost reimbursement coverage for alleged acts of child molestation or abuse against the facility owner
• Employees including directors and assistant directors as insureds under child molestation or abuse coverage (commercial)
• Non-owned and hired auto coverage
• Coverage for risks with children with special needs or "drop in" centers
• Coverage for risks with pets, pools and field trips
• Coverage for extended hour and overnight commercial child care facilities
• Value plus endorsement providing 16 optional coverages for one low flat charge, including: glass, money & securities and employee dishonesty, electronic data processing coverage and more
• Special form and replacement cost coverage

Marketing Advantages

• A.M. Best rated A++ carrier
• Quick quotes
• Superior policy issuance
• Low minimum premium

General Liability

• Primary limits up to $3,000,000 occurrence/aggregate
• Included coverages:
  • Medical payments coverage - $5,000 limit
  • Additional interests
  • Errors and omissions
  • Sexual/Physical abuse as follows:
    • Day care centers $100,000 per claim per $300,000 aggregate (higher limits available) or in-home day care centers $25,000 per claim/$50,000 aggregate (higher limits available)
• Deductible:
  • No deductible required

Property:

• Basic, broad or special form
• Replacement cost or ACV
• Building
• Contents
• Business income
• Equipment breakdown
• Accounts receivable
• Outside signs
• Valuable papers
• Food spoilage

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