General Aggregate Limit

Amount of liability coverage that the Insured has under a policy for a specific period of time, usually the policy term. Simply, the maximum coverage available in a policy for a complete policy term.

Accidental Medical Payments

Medical payments can be applied to third party injuries, or specific to the risk of childcare, both primary or excess. If there is other insurance (generally provided by the parents of the minor child) or primary when there is no other insurance in place. Coverage can be applied no fault, for necessary medical expenses, medical services with a general exclusions kids eye wear.

Additional Insured

Landlord, or State/Governmental agency, with insurable interest.

Occurance Coverage

Policy form providing liability coverage only for injury or damage that occurs during the policy period, regardless of when the claim is made.

Professional Liability (Related to the risk of childcare)

Provides first dollar defense to any claim or suit arising out of the rendering of or failure to render professional services in connection with the child care operations.

Business Income Interuption

Will pay for actual loss of business income you sustain due to the necessary suspension of your operations, during a period recovery. Damage must be caused by or resulting from a covered cause of loss.