Premises and operations
A child, parent, visitor or vendor may allege injury from a wet floor, playground condition, unsecured furniture, food service, maintenance work or another condition at the center. The policy’s insuring agreement, exclusions, limits, deductibles and defense provisions determine the response.
Medical payments are not the same as liability
Medical payments coverage may pay certain medical expenses without requiring a liability determination, subject to limits and eligibility. It is not a substitute for liability coverage, participant accident coverage or health insurance.
Supervision can cross coverage lines
An allegation that an employee failed to supervise, released a child to an unauthorized person or failed to follow a safety plan may be treated differently among general liability, professional liability and specialized childcare forms. The policies should be reviewed together.
Know the exclusions
Abuse or molestation, professional services, communicable disease, employment practices, fungi, lead, pollution, watercraft, autos and certain recreational activities may be excluded or limited. Never assume a daycare package silently restores every exposure.
Limits and aggregates
Confirm each-occurrence, general aggregate, products-completed operations and any separate professional or abuse limits. Determine whether defense costs reduce limits and how multiple locations share aggregates.
Additional insured requests
Landlords and contracting organizations may request additional insured status. A certificate is evidence of information—not the endorsement itself. Review the written contract and the endorsement actually issued.