The underwriting profile
Expect questions about entity ownership, years in operation, license type, capacity, current enrollment, ages, hours, staff ratios, payroll, building, playgrounds, meals, claims, citations and transportation.
Core program
A center may need general and professional liability, abuse and molestation coverage, accident medical, property, business income, workers’ compensation, commercial auto, cyber, EPLI and umbrella. Eligibility and packaging vary.
Changes during the year
Notify the agency before adding infant care, vehicles, locations, pools, overnight hours, new entities or materially different services. A policy written for yesterday’s operation may not reflect tomorrow’s exposure.