Oregon licensing context
Oregon applies different administrative rules to different child care license types. The insurance submission should identify the exact license, location, capacity, age mix, staffing model and whether the operation provides transportation or higher-hazard activities.
Insurance is a separate analysis
Meeting a licensing requirement does not establish that every important exposure is insured. A daycare program may need general liability, professional liability, abuse and molestation coverage, property, business income, workers’ compensation, commercial auto, accident medical, cyber, EPLI and umbrella coverage.
Information carriers evaluate
For a Oregon center, prepare the legal entity, license type, locations, capacity, enrollment by age, infant count, employees and payroll, background-screening process, transportation, playground or water exposures, property values, claims and regulatory history.
Transportation deserves its own review
If the center transports children, identify each vehicle, passenger capacity, route, driver and use. Commercial auto insurance does not replace compliance with driver, restraint, supervision, loading or vehicle-check rules.
Licensed agency service
Liberty Union Insurance Group is licensed in Oregon. Every policy comes with a licensed agent for service, certificates, changes, claims communication, audits and renewals. Coverage and carrier availability depend on the individual operation and underwriting.