Child Care Insurance

Because the health, safety and well-being of children who receive your care is your top priority, we offer comprehensive child care insurance coverage for licensed residential and commercial child care providers.

Please call or email Kevin Morency or Rebecca Morency if you have any questions or to set up an appointment for a free comprehensive review of your insurance. By taking the time to discuss your needs, we can tailor an affordable business insurance solution that offers peace of mind, yet still deliver a quote quickly.

If you prefer to complete our questionnaire, it’s easy to get started on your quote.

Our online questionnaire works great on smart phones, tablets, desktops and laptops. Just click to get started…

child care insurance questionnaire

To receive your quote:

  • Complete the questions
  • Preview your answers
  • Click “Submit” when you’re done.
  • You’ll get a “Thank you” screen to tell you we received it.

Contact


Morency & Associates, Inc.

1194 Long Hollow Pike
Gallatin, TN 37066

615-452-4532        (Office)
877-244-9090        (Toll-Free)
630-240-4299        (Mobile)
615-452-6580        (Fax)
Kevin Morency      (Email)
Rebecca Morency (Email)

Specialty Insurance for Licensed Child Care Operations

New Market in Tennessee (Quotes Beginning May 1, 2018)

Property & Casualty Coverage

Our Child Care Program protects your business with these Property & Casualty insurance coverages:

  • General Liability
  • Professional Liabilitycommercial day care insurance
  • Abuse & Molestation
  • Abduction Coverage
  • Dispensing Medication
  • Food Preparation
  • Field Trips
  • Property
  • Crime
  • Business Income and Extra Expense (Actual Loss Sustained)
  • Auto
  • Umbrella

Requirements for this child care program:

  • Must be Licensed or Certified Childcare Operations (Registered in Iowa)

Exclusions:

  • Trampolines

We appreciate the opportunity to become your insurance advisor.

Liability

General Liability

  • Limits up to $1 million per occurrence/$3 million aggregate – occurrence, not claims-madein home child care insurance
  • Automatically includes Childcare Professional Liability
  • Premises & Operations
  • Products & Completed Operations
  • Personal & Advertising Injury
  • Damage to Premises Rented to You (Fire Legal)
  • Medical Payment Expenses coverage of $10,000 per student
  • Medical Payment Expenses coverage for volunteers
  • Defense Costs outside the limit of liability
  • No Liability deductibles (BI or PD)
  • Abduction coverage without BI or PD – $50,000
  • Professional License Review – $2,500 per review / $5,000 aggregate
  • Volunteers as Additional Insureds
  • Building Owner as Additional Insured

Optional Coverages:

  • Abuse & Molestation Coverage
  • Water Activities Coverage
  • Employment Practices Liability (stand-alone policy available)
  • Employee Benefits available up to $1 million (claims-made coverage)
Property

When we write your Building and Contents Coverage, the following property coverages are included:

  • Business Income – Actual Loss Sustained – including tuition and fees (no waiting period or deductible)
  • Communicable Disease / Water Bourne Pathogen (Business Income) – $50,000
  • Computers and Media – $25,000 (higher limits available)
  • Covered Property in the Open – up to 1,000 feet from premises24 hour child care insurance
  • Spoilage – $10,000
  • Employee Theft (including Employee Benefit Plans) – $5,000 (higher limits available)
  • Extra Expense – Actual Loss Sustained
  • Fine Arts – $25,000
  • Forgery and Alteration – $5,000
  • Money and Securities (inside / outside) – $15,000 / $7,000 (higher limits available)
  • Ordinance or Law Coverage – if RCV coverage applies
  • Outdoor Fences – included
  • Outdoor (attached) Signs – included
  • Outdoor (detached) Signs – $10,000 (higher limits available)
  • Personal Property of Others – $25,000
  • Property at Conventions, Fairs or Exhibitions – $50,000
  • Property in Transit – $25,000
  • Utility Services Direct Damage, including overhead transmission lines – Full Coverage
  • Equipment Damage for electrical and mechanical system malfunction
  • Valuable Papers and Records – $250,000
  • Water Back Up; Sump Pump Overflow – $25,000
  • Workplace Violence – $100,000
Other Insurance Options

Optional Coverages:

  • Abuse & Molestation – Included in IL (optional in IA, IN, KS, KY, MI, MN, MO, OH, TN, WI)
  • Water Activities Coverage
    latch key child care operations
  • Dog / Cat Liability Coverage (Family Centers)
  • Directors & Officers (Not-for-Profit)
  • Employment Practices Liability (stand-alone policy available)
  • Employee Benefits available up to $1 million (claims-made coverage)
  • Workers Compensation

Umbrella Coverage:

  • Umbrella – limits up to $10,000,000
  • Optional Abuse & Molestation

Auto, Van & Bus Coverage

  • Commercial Vehicle Coverage
  • Hired Auto Liability
  • Non-Owned Auto Liability
Loss Prevention

before after school care insuranceLoss Prevention Services Include:

  • Reality Alerts – information based on claims we see often and how to avoid them
  • Facility Walkthroughs
  • Employee and Volunteer Training
No Interest Payment Plan

Affordable Insurance Coverage

We’ve found highly rated insurance carriers who offer reasonable pricing in today’s tough economic climate. That means you can increase the value of your insurance dollar. Plus many of our specialty business insurance coverages offer convenient, no interest payment options with flexible payment terms. So it’s easier to manage your bottom line.

Flexible Payment Terms—Pay as little as monthly

Choose the payment option that fits your budget. Because sometimes a smaller monthly payment is easier on you.

  • Annual
  • Semi-annual
  • Quarterly
  • Down payment plus 9 equal payments (10 payments)
  • Monthly (12 payments)

Convenient, No Interest Payment Options

Pick the method that works best for you…

  • Electronic funds transfer—$1 fee per installment
  • Online or by phone—$7 fee per installment
  • Charge to credit card—$7 fee per installment

Prefer to Manage Only One Bill?

Complete coverage may be available for your business insurance needs in one comprehensive insurance package. Call or email Kevin Morency today and receive a quick turnaround on your quote.

Areas Served

We offer this child care insurance program in the following states:

areas served