To get your quote for a Montessori policy, go to our quick quote form.

This policy provides comprehensive coverage for In-home Child Care providers. Our Business Owner's Policy is designed to address all the needs of your business, combining both property and liability coverages into one convenient policy. Options can include coverage for varied numbers of children, sexual / physical abuse and umbrella coverage. Different levels of liability and property protection, as well as various deductible options are also offered.

What am I covered for?
All of the following coverage is included in our comprehensive Business Owner's Policy (B.O.P.):

Commercial General Liability - Included
Provides you the ability to turn over any covered suits (except those specifically excluded) brought against you (related to the business pursuits of childcare) to the Insurance Company. Their attorneys represent your interests to defend you. Our insurance is written on an "Occurrence Form", That means that as long as the incident occurred while coverage is/was in force, it will be covered no matter when the claim is turned in (i.e., 5 years later).

Professional Liability - Included
Protects you from any negligent act, error, or omission or failure to render professional services. Coverage extends to family, volunteers, or anyone for whom you are legally responsible in taking care of the children. This coverage allows first dollar defense by the insurance company. Limits are equal to the Commercial General Liability limits chosen. Not available for overnight care (overnight care is defined as anything over 14 hours a day).

Accidental Medical Payments - Included
Provides $5,000 limit Accidental Medical Expenses per any one person (subject to exclusions) with a ZERO deductible for any medical costs within one year of the date of the accident due to injuries sustained, including daycare children. Payments are awarded as NO FAULT and are paid for First Aid, Necessary Medical, Surgical, X-rays, Dental Services, Ambulance, Hospital, Professional Nursing Services, and Funeral Services. Coverage is extended to field trips off premises. However no coverage extends while the children are in your vehicle. Allergic reaction to food and medicines administered by you are also covered. See policy for exclusions and application for underwriting requirements.

Property Coverages
All items listed are included. Coverage limits may be increased, and endorsements may be added for an additional premium.

• Daycare Property - $1,000
• Business Income - Actual Loss Sustained (no waiting period)
• Business Income - Civil Authority (no waiting period) Extra Expense (no waiting period)
• Building Glass
• Fire Department Service Charge - $1,000
• Increased Cost of Construction - $5,000
• Pollutant Cleanup and Removal - $10,000
• Water Damage / Sewer Backup - up to $25,000*
• Forgery or Alteration - up to $2,500
• Money Orders / Counterfeit Paper Currency - up to $1,000*
• Equipment Breakdown - included Personal Property at Newly Acquired Premises - $100,000
• Accounts Receivable - $25,000
• Valuable Papers - $25,000
• EDP / Hardware & Software - $25,000
• Personal Property away from premises - $15,000
• Personal Effects - $10,000
• Outdoor Signs - $10,000
• Money and Securities - $5,000
• Employee Dishonesty - $5,000
• Property in Transit - $5,000
• Outdoor Property - $2,500
• 4% Automatic Limit Increase (Building)
• Seasonal 25% Increase for Business Personal Property
• Limited Contractual Liability

Optional coverage can include umbrella limits from $1,000,000 to 5,000,000. * Subject to Property Limits at time of loss

Optional Coverage
Not included in the above policy, may be added for additional premium:

• Building
• Non-Owned Automobile
• Employers Liability

Sexual Molestation/abuse
Provides defense cost coverage arising out of bodily injury, property damage, or any other damages because of liability or allegations of liability resulting from sexual action, that occurs in, on, or near the insured's premises, or in conjunction with the insured's operations of child care. Limits correspond directly with the Commercial General Liability limit you purchase. Not available for overnight care (over 14 hours a day).

Business Personal Property
Higher limits of business personal property than what are included are available. (See application).

Additional Insured
Extends Liability coverage to entities who require being named on you policy as an additional insured (i.e., Landlord, city/county programs, etc.).

Dog Coverage
Extends Liability to any occurrence of offense arising out of, caused by any dog owned by or being cared for by, or in the care, custody or control of any insured. $50,000 limit available. Family homes only. Dogs must be kept separate from children during hours of operation.

What is excluded?
Punitive damages, pollution, asbestos, lead paint poisoning, war, nuclear energy, sexual molestation, dog bite coverage, water activities. Further information can be provided.

What are the Unacceptable Risks of the B.O.P?

• Trampolines
• Breeds of Dogs: Rottweilers, Doberman Pinschers, German Shepherds, Pit Bulls
• Mobile Homes
• On premises swimming pools with slides or diving boards

Given space limitations we cannot list every underwriting guideline, acceptability provision, condition or exclusion in the policy. These details are subject to the terms of the actual policy issued at underwriting.