Insurance Benefits Available Through CHILD, Inc.
I. General Liability Policy
You and Your Business Receive:
| Limits of Insurance for: | OPTION 1 | OPTION 2 |
|---|---|---|
| General Aggregate Limit | $3,000,000 | $300,000 |
| Products-Completed Operations | $1,000,000 | $100,000 |
| Personal & Advertising Injury Limit | $1,000,000 | $100,000 |
| Each Occurrence Limit | $1,000,000 | $100,000 |
| Professional Liability | Included | Included |
| Fire Damage Legal Liability Limit | $100,000 | $100,000 |
| Medical Expense Limit | $5,000 | $5,000 |
| Sexual Abuse Aggregate | $200,000 | $200,000 |
| Sexual Abuse Per Person Limit | $100,000 | $100,000 |
II. Blanket Accident Medical Policy
The Children Enrolled in Your Program Receive:
| Limits of Insurance for: | OPTION 1 | OPTION 2 |
|---|---|---|
| Accident Medical Expense Benefit Aggregate | $20,000 | $20,000 |
| Accidental Death & Dismemberment | $10,000 | $10,000 |
Who is Covered?
You and your child care business, individuals performing functions and/or duties of the named insured are covered by the Liability Insurance. The Blanket Accident Medical policy covers all enrolled children, exclusive of your own children. The limits of the policies apply separately to each child care location.
Covered Activities
The Liability Insurance benefit of membership covers all activities involving enrolled children. In addition to the common policy exclusions, there is no liability coverage for situations involving Swimming Pools, Pets, Trampolines, Lead or Asbestos, Transportation, Employment Related Practices, Punitive Damages. This policy does not provide any coverage for exposures relating to providing foster care services.
The Accident Medical coverage is provided for activities that are scheduled, sponsored and supervised by you. Coverage is provided for travel to and from activities when your Personal Automobile policy limits are used up in the payment of claims.
Effective Dates
Your membership is effective from the date you initially apply, until the following September 1st. On September 1st each year, all policies expire and are due for renewal.
Who is Eligible?
CHILD, Inc. offers coverage to licensed/registered in-home child care providers caring for up to 17 children at any one time. Childcare homes that have swimming pools, trampolines and pets are eligible for membership although no general liability coverage applies in these claim situations. Please contact New England Insurance Services, Inc. for information regarding child care homes with swimming pools. Note that homes with the breeds of either Pit Bull or Rottweiler are ineligible.