Insurance Benefits Available Through CHILD, Inc.

I. General Liability Policy

You and Your Business Receive:

  OPTION 1 OPTION 2
Limits of Insurance $1,000,000 $100,000
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
Child Care and Teachers Professional Liability Included Included
Fire Damage Legal Liability Limit $100,000 $100,000
Medical Expense Limit $10,000 $10,000
Sexual Abuse or Molestation Aggregate Per Policy Period Limit $300,000 $300,000
Sexual Abuse or Molestation Per Person/Per Occurrence Limit $100,000 $100,000

II. Blanket Accident Medical Policy

The Children Enrolled in Your Program Receive:

Blanket Accident and Health Policy 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.

Covered Activities

The Liability Insurance covers all activities involving enrolled children. In addition to the common policy exclusions, there is no liability coverage for situations involving Swimming Pools, Animals, Trampolines, Mold, Silica/Dust, Lead or Asbestos, Transportation, Employment Related Practices. This policy does not provide any coverage for any operations other than child care.

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 coverage is effective from the date you apply and payment is received; or a future date you choose. The policy term is one year.

Who is Eligible?

Coverage is offered to licensed/registered in-home child care providers caring for up to 18 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. Note that homes with the breeds or mix of either pit bull or rottweiler are ineligible.