Since 1974, The B&G Group has been providing comprehensive coverage for residential and commercial child care centers including Nursery Schools, Head Start Programs, Before and After School Care and Montessori Schools. We understand the complex needs of your business. With 40 years of experience we developed an insurance program for child and day care centers that’s right for you. Our superior program can automatically include Professional Liability as well as Medical Payments that includes children enrolled in the center.

Why do childcare centers need insurance?

  • A child suffers bodily injury while on your playground equipment
  • The parent of a child 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

Policy Features

  • Limits up to $5,000,000
  • Off premises coverage (including field trips)
  • Employees including directors and assistants are included as insureds which extends coverage to center’s employees!
  • Coverage is triggered by acts of any individual on the premises
  • Professional liability
  • No Deductible
  • Hired and non-owned auto coverage
  • Medical payments coverage for enrolled students
  • Coverage for facilities that care for children with special needs
  • Coverage for facilities with pets and field trips
  • Coverage for extended hour and overnight
  • Equipment breakdown coverage including spoilage of food and perishable items
  • Coverage for signs, money and securities, employee dishonesty, accounts receivable and much more
  • Child Abuse & Molestation Coverage
    • 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
    • No deductible
    • Unlimited defense costs

Claims Examples

  • General Liability: Tyler, a student, fell off the swing at the childcare playground. His front two teeth were knocked out. He incurred $2,000 in dental work. Tyler’s mother filed a claim for the dental expenses and an additional $5,000 alleging emotional distress.
  • Professional Liability: Sally’s mother claims that Child Care center failed to render professional service in the administration of their education program. Sally had failed to identify enough colors and shapes to pass an entrance exam to a private school. Sally’s parents are suing for the cost to hire a special tutor and a refund of their tuition paid to Small World Child Care.
  • Professional Liability: Child Abuse or Molestation: A disgruntled parent claims her child had bruises on his arm. When asked, her child stated his teacher hurt him. Charges filed include improper hiring, improper training of employees, and failure to protect the child from harm. Attorneys are hired to defend the school against these charges. The case is dismissed after an investigation fails to prove any abuse occurred. The center’s defense costs amount to $25,000.
  • Hired and Non-owned Auto Coverage: The owner Beth asked Molly an employee of the Care Center, to run to the store for craft supplies for the holiday project. While en route to the store Molly rear-ends another car at a stop sign causing $4000 worth of property damage and $9,000 in bodily injury to the other driver and automobile.
  • Criminal Defense Cost Reimbursement: Doug, a student, stated to his mother that an employee of ABC Child Care, touched him inappropriately. Doug’s mother then filed a report with the local police who then filed criminal charges against the employee. The employee claimed her innocence and while defending her good name and reputation incurred $30,000 in criminal defense costs. The charges were later dropped, when Doug admitted that he had fabricated the story to get back at Lauren for not allowing him to go outside when it was raining. She was reimbursed for all of her defense costs.
  • Medical Payments: Michael and John, both students at a local childcare center, were playing with matchbox cars when they both decided that they wanted to play with the red sports car. Michael, determined to play with his favorite car, pushed John causing scrapes and abrasions on his arm. After receiving a phone call from the center, John’s mother picked John up and took him to the hospital. The injuries resulted in a $2,000 bill for services provided by the hospital.

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