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Home > Daycare > Childcare Insurance
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Childcare Insurance


         
D. Ward Insurance Services, Inc. since 1988
 

  • Daycare Insurance since 1988
  • Multiple Carriers Compete

Our Highly Rated Carriers:

 Hartford * Auto Owners * Progressive * Utica *  US Liability * Mercury, and more.



CHILD CARE QUOTE FORM
The Quote Form is our preliminary process of obtaining the necessary underwriting information. Be as thorough as possible. The current policy and claim history will also be required as part of the underwriting process.
First Name *
Last Name *
Legal Name of Business (DBA) *
Are you the Owner of the Business? *

If NO, what is your name and relationship to the business? *
Provide the Business Website or indicate "None" if you do not have one
Street *
City *
State *
ZIP / Postal Code *
Primary Phone Number *
E-Mail Address *
Type of Child Care Center


OPERATIONS
What type of building is the child care center located in?




If you answered OTHER to previous question, please describe *
Years in business with current management? *
Hours of operation? *
Are there any Camp Exposures? *

Are there any overnight stays? *

Is insured an exclusive After-School Facility? *

Does enrollment of handicapped students exceed 20%? *

LICENSING
Is the child care center a licensed facility? *

Has a license to operate ever been denied, suspended or revoked? *

If YES, please explain *
Date of the most recent state inspection? *
Have you ever received any citations or warnings issued by any state or government entity? *

If YES, please explain details *
PREMISES CHARACTERISTICS
Is the center a standalone structure or is it located within a multi-use building? *

Was the structure built after 1978? *

Was the structure built specifically for child care or modified for that particular purpose? *

Is the facility on grade level with two exits? *

Is there a swimming pool or water exposure? *

Does your center operate a full kitchen on site? *

Does your center have a Central Station fire detection system? *

Are there manual pull stations? *

Are fire extinguishers inspected and tagged annually? *

When was the last inspection date? *
Does your center have smoke detectors? *

Are the smoke detectors battery operated or hard wired? *


Are there protection covers on all electrical outlets? *

STAFF and CHILDREN
How many days per week do you operate? *
What is your average daily attendance(including full and part-time children)? *
What is the estimated square footage of child care area? *
Highest enrollment counts for previous 4 years? *
Expected enrollment for next year? *
Caregiver/Teacher/Child ratio for Children Age 0 - 1? (State none, if n/a) *
Caregiver/Teacher/Child Ratio for Children Age 1 - 2? *
Caregiver/Teacher/Child ratio for Children Age 2 - 4? *
Caregiver/Teacher/Child ratio for Children Age 4 - 5? *
Caregiver/Teacher/Child ratio for Children Age 5 - up? *
Is Teacher/Staff professionally qualified? *

Are all caregivers currently licensed or certified? *

If NO, explain: *
Are reference checks conducted for all staff? *

Is a minimum of one staff member certified in first aid present at all times? *

Are Teachers/staff trained to look for signs of mental and physical abuse? *

Are volunteers used? *

Are field trips taken? *

If YES, are signed release forms obtained from parents? *

If YES, are children required to wear identification while on field trips? *

Describe field trip activities and procedures *
PLAY AREAS
Does the facility have its own play area? *

Is playground fenced and in compliance with state regulations? *


If NO, please explain *
List all playground equipment and specify any with platform heights of over 6 feet *
Are any trampolines, moonwalks, bounce equipment, inflatables, gymnastics equipment, wall climbing or ball pits present? *

Describe playground surface
AUTOMOBILE
Does Insured provide student transportation to/from home? *

If field trips are taken, what is the radius of operation? *
If field trips are taken, what is the frequency? *
If field trips are taken, where do you go? *
Is there a scheduled preventative maintenance program in place? *

Are all drivers that transport students over the age of 21 with acceptable MVR's? *

Do you operate any non-conforming vans (11 to 15 passengers)? *

Do employees or volunteers drive their own vehicles for company business? *

How often does this occur? *
Do you require evidence that they have their own auto insurance? *

SAFETY
Is a record of injuries/treatment kept? *

Is child's medical history required? *

Does the child care center administer any medications? *

Are signed releases for emergency medical treatment/dispensing of medication obtained from parents? *

Are Pre-authorization records kept for child release? *

Is a release signed for transportation of sick/injured children? *

Is an Emergency situation procedure in place? *

Does the center have children sleeping at any time? *

If YES, are there Carbon Monoxide detectors installed within 15' of the primary entrance to each room lawfully used for sleeping?

CORPORAL PUNISHMENT
What is the Child Care Center's policy on corporal punishment? *
Is there a written policy concerning the use of corporal punishment? *

Have there ever been any claims for corporal punishment? *

What are the Stte's laws on corporal punishment? *

SWIMMING POOL/WATER CHECKLIST (Complete only if facility has a swimming pool/water exposure on or off premises)
FENCING
4' foot enclosure fencing or wall?

Self-closing gate and latch?

Locking hardware?

RULES & REGULATIONS
Posted pool hours and regulations?

Are children ages three and under restricted to shallow end?

Glass container rules?

Food consumption rules?

EMERGENCY INFORMATION
Emergency phone numbers posted?

Phone near pool area?

Emergency Plan in place?

PERSONNEL
Is there a certified lifeguard on duty?

If there an enforced staff and child ratio enforced?

Are the staff trained in CPR/First Aid as per state mandates?

LIFESAVING EQUIPMENT
15' foot pole or shepherd's hook?

18" inch ring or buoy and throwing rope?

Lifeline with floats to separate shallow and deep areas?

POOL
Depth - Shallow Area
Depth - Deep Area
2 sets of steps, ladders or stairs?

Steps & rung slip resistant?

4" inch depth markings?

Diving board provided?

Slide provided?

Wading pool?

Deck material slip resistent?

CHILD CARE LEGAL LIABILITY - CLAIMS-MADE BASIS (Complete only if this coverage is being requested)
Limits of liability requested for each loss?
Limits of liability requested in aggregate for each annual policy year?
If the child care organization has been in existence less than three years, was this organization an offshoot from another?

If YES, name of original organization?
Number of members comprising the governing board of the institution?
Number of Administrators?
Number of Officials?
Number of Teachers?
Number of all other employees?
What is the total current budget of your institution?
What is the total accumulated deficit or surplus of your institution?
How many years in the past five has there been a deficit?
How many years in the past five years has there been a surplus?
If there is a deficit, what is being done to eliminate it?
CLAIMS
Has there been any claim in the past five years involving employee's tenure, dismissal, strikes, demotion or other employment related activities?

Has there been any claims in the past five years involving segregation, civil rights action involving children or employees?

Has there been any other type claim filed under a previous Legal Liability policy?

Are there any incidents that have not yet been reported or are known about that a claim has not been presented that might afford grounds for any future claim that would fall within the scope of this proposed insurance?

If you answered YES to any of the prior 4 questions, please attach a sheet outlning the date, facts, and any reserves, demands or judgments.
Has similar insurance been declined, canceled or a renewal refused?

If YES, please explain *
Who was your previous carrier for similar insurance coverage?
ABUSE OR MOLESTATION LIABILITY (Complete only if this coverage is being requested.)
Has the insured ever had any abuse or molestation (inclding sexual misconduct or sexual molestation) claims?

Is there a record or knowledge of any previous incidents which might have resulted in such claims if they had been pursued?

If you answered YES to either of the two prior questions, please provide details.
Does your organization have written policies that require known or suspected abuse incidents to be reported to the proper authorities?

Are employees and volunteers required to sign an ackowledgement of receipt and understanding of the abuse and sexual harassment policy?

Is documentation maintained on annual training regarding abuse, molestation and sexual misconduct provided to staff, students and volunteers?

Is the insured's facility open to parental visits?

Is Education verified on employees?

Is Education verified for Volunteers?

Are personal references checked for employees?

Are personal references checked for volunteers?

Are written applications required for employees?

Are written applications required for volunteers?

Are State level 10-digit fingerprint criminal record checks required for employees?

Are State level 10-digit fingerprint criminal record checks required on volunteers?

Are Federal level 10-digit fingerprint criminal record checks required on employees if in the State less than five years?

Are Federal level 10-digit fingerprint criminal record checks required on volunteers who live in the state less than five years?

Are Federal level 10-digit fingerprint criminal record checks required for emploees regardless of time in state?

Are Federal level 10-digit fingerprint criminal record checks required for volunteers regardless of time in state?

Are all controls previously listed required before an employee can have contact with children/clients?

Are all controls previously listed required prior to volunteer contact with children/clients?

Are checks conducted for Alias names for employees?

Are checks conducted for Alias Names for volunteers?

Are Multi-State Crimnial Background Checks conducted for employees?

Are Multi-State Criminal Background Checks conducted for volunteers?

Is the National Sex Offender Registry checked regarding employees?

Is the National Sex Offender Registry checked for volunteers?

Are Social Security Number traces done for employees?

Are Social Security Number traces done on volunteers?

How long are records dept docuenting all screening activities outlined above for employees?
How long are records kept documenting all screening activities outlined above for volunteers?
Has the insured developed and publicized to employees and volunteers abuse, molestation and sexual harassment reporting and investigation procedures?

Have persons charged with complaint management and investigation been adequately trained in these responsibilities?

Is there any child care/school exposure which is not run by the insured?

If YES, do the operators of such exposure have their own liability insurance, including coverage for abuse or molestation (including sexual misconduct or sexual molestation), with lmiits at least equal to those being requested hereunder?

Is our Insured named as additional insured on the operator's liability policy which includes coverage for abuse or molestation (including sexual misconduct or sexual molestation)?

Is there anything else that you would like for us to know concerning your up and coming Renewal?
The undersigned authorized officer of the Applicant/Insured entity declares that he/she has read the responses set out in the Child Care Application and that such responses/statements are true and accurate to the best of the officers knowledge and belief.
Typing your name here represents your valid signature (Must be President, Secretary or other authorized officer) *
Please provide your TITLE *
Please provide the DATE that you are signing *
For Security of your personal information, enter code and press submit.
Submission Validation
Required

Important Notice
Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverages.  Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company.  If you have any questions, please feel free to contact us.

Per the terms of our online privacy policy we will not resell your information to any third-party.

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Mailing: 1720 Mars Hill Rd #8-185, Acworth, GA 30101
Physical: 3440 Blue Springs Road, #503j, Kennesaw, GA 30144

P: (770) 974-0670 | F: (770) 974-8577 |
E: dward@dwardins.com

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