CHILD, Inc. In-home Child CareIn-Home Child Care Accident Medical & Liability Insurance

Our CHILD, Inc. Insurance Program provides Liability and Accident Medical Insurance for licensed, registered or certified individuals that run an in-home child care or family day care.

If you operate an in-home day care business, please note that all homeowner insurance policies specifically exclude coverage for any business operation so it is imperative to find insurance protection for your child care business under a separate policy.

Our CHILD, Inc. Insurance Program Provides for High Liability Limits With the Following Options Available:

  • All Eligible States (excluding CA, NY & RI)
  • California
  • New York State
  • New York City
  • Rhode Island

All Eligible States except California, New York and Rhode Island.
Maximum number of
children in your care
at any one time:
Annual Premium
w/ Liability Limits of
$1,000,000 per occurrence
$3,000,000 aggregate
Annual Premium
w/ Liability Limits of
$100,000 per occurrence
$300,000 aggregate
1 $534 $374
2 $540 $380
3 $546 $386
4 $552 $392
5 $558 $398
6 $563 $403
7 $706 $504
8 $712 $510
9 $718 $516
10 $724 $522
11 $730 $528
12 $736 $534
13 $1,007 $724
14 $1,013 $730
15 $1,019 $736
16 $1,024 $741
17 $1,030 $747
18 $1,036 $753

Premium includes $20,000 Accident Medical Expense Benefit, $10,000 Accidental Death.


California
Maximum number of
children in your care
at any one time:
Annual Premium
w/ Liability Limits of
$1,000,000 per occurrence
$3,000,000 aggregate
Annual Premium
w/ Liability Limits of
$100,000 per occurrence
$300,000 aggregate
1 $725 $502
2 $731 $508
3 $737 $514
4 $743 $520
5 $749 $526
6 $754 $531
7 $988 $701
8 $994 $707
9 $1,000 $713
10 $1,006 $719
11 $1,012 $725
12 $1,018 $731
13 $1,316 $934
14 $1,322 $940
15 $1,328 $946
16 $1,333 $951
17 $1,339 $957
18 $1,345 $963

Premium includes $20,000 Accident Medical Expense Benefit, $10,000 Accidental Death & Dismemberment and $60 membership fee.


New York State (not including the boroughs of New York City)
Maximum number of
children in your care
at any one time:
Annual Premium
w/ Liability Limits of
$1,000,000 per occurrence
$3,000,000 aggregate
Annual Premium
w/ Liability Limits of
$100,000 per occurrence
$300,000 aggregate
1 $534 $360
2 $540 $366
3 $546 $372
4 $552 $378
5 $558 $384
6 $563 $389
7 $674 $416
8 $680 $422
9 $686 $428
10 $692 $434
11 $698 $440
12 $704 $446
13 $1,147 $799
14 $1,153 $805
15 $1,159 $811
16 $1,164 $816
17 $1,170 $822
18 $1,176 $828

Premium includes $20,000 Accident Medical Expense Benefit, $10,000 Accidental Death & Dismemberment and $60 membership fee.


FOR APPLICANTS IN NEW YORK CITY PLEASE CONTACT US AND WE WILL SEND YOU AN APPLICATION. ONCE WE HAVE RECEIVED THE COMPLETED APPLICATION BACK FROM YOU WE WILL BE ABLE TO PROVIDE YOU WITH AN INSURANCE PRESENTATION BASED ON THE LEVEL OF PROTECTION YOU CHOOSE.

New England Insurance Services, Inc.
P.O. Box 63
Weatogue, CT 06089
Toll Free: 1 (888) 845-8288
Fax: 1 (860) 844-8274
Email: Info@neisinc.com

 


Rhode Island
Maximum number of
children in your care
at any one time:
Annual Premium
w/ Liability Limits of
$1,000,000 per occurrence
$3,000,000 aggregate
Annual Premium
w/ Liability Limits of
$100,000 per occurrence
$300,000 aggregate
1 $462 $342
2 $468 $348
3 $474 $354
4 $480 $360
5 $486 $366
6 $491 $371
7 $674 $500
8 $680 $506
9 $686 $512
10 $692 $518
11 $698 $524
12 $704 $530
13 $939 $695
14 $945 $701
15 $951 $707
16 $956 $712
17 $962 $718
18 $968 $724

Premium includes $20,000 Accident Medical Expense Benefit, $10,000 Accidental Death Dismemberment.

Apply For Your In-home Child Care Insurance Today

Individual in-home childcare providers may purchase insurance coverage by completing an application for insurance. The insurance premiums you pay will be based on the number of children in your family, group family daycare and the limits you have chosen.

Your insurance coverage will take effect when we receive your insurance application and full premium payment. If we have any questions we will contact you. If it is determined that your family childcare business is ineligible for this program then we will send your check back to you with a letter describing why you have not been accepted into the program.

In-home Child Care and Family Day Care Insurance In Over 25 States

Currently this accident and liability insurance program is available of in-home child care businesses in the following states: Arizona, California, Colorado, Connecticut, Delaware, Illinois, Indiana, Iowa, Kansas, Maine, Maryland, Massachusetts, Michigan, Minnesota, Nebraska, New Hampshire, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, Washington, and Wisconsin.

Click here for more detailed information on the insurance benefits available through CHILD, Inc.