Child Care / Day Care Insurance

Child / Day Care Insurance PJO Brokerage Orange County California

Residential Services:

As a daycare provider in Orange County, CA, parents trust you to protect and care for their most valuable assets, and where young children go, accidents are sure to follow, so it’s crucial to choose the right child care insurance program for your center. Potential claims may include accidental events where a child suffers bodily injury while on your playground equipment; the parent of a child enrolled in your program makes a false charge of abuse or molestation against you; one of your employees/volunteers trips and spills hot soup onto a child; or emotional distress to the parent of a child enrolled in your program is caused when you did not obtain a permission slip to take them on a field trip. These are just some of the many reasons Child Care insurance is so important. So if your operation is in Irvine, Anaheim, Santa Ana, Costa Mesa, Fullerton, Garden Grove, Huntington Beach, Mission Viejo, Yorba Linda and Newport Beach or anywhere else in the Orange County, CA area we offer the following:

Coverage Features:

  • Professional liability automatically provided at the general liability limit for no additional charge
  • No liability deductible
  • Child molestation and abuse limits available up to $100,000 per occurrence/$300,000 aggregate – definition includes corporal punishment
  • Child molestation and abuse coverage applies off premises
  • Defense cost reimbursement can be purchased for alleged acts of child molestation or abuse against the facility owner and employees
  • Medical payments coverage automatically provided for no additional charge that includes coverage for enrolled students
  • Hired and non-owned auto liability coverage available
  • Expanded definition of bodily injury to include sickness or disease caused by mental anguish or emotional distress Commercial Services:

Whether your operation is a single operation or have multiple units, we can help you find the appropriate coverage to ensure you are covered properly.

Coverage Features:

  • Professional liability automatically provided at the general liability limit for no additional charge
  • No liability deductible
  • Child molestation and abuse limits available up to $100,000 per occurrence/$300,000 aggregate – definition includes corporal punishment
  • Employees including Directors and Assistant Directors are included as Insureds under Child Molestation and Abuse Coverage
  • Child molestation and abuse coverage applies off premises
  • Defense Cost reimbursement available for false allegations of Child Molestation or Abuse against the facility owner operators and employees
  • Medical payments coverage automatically provided for no additional charge that includes coverage for enrolled students
  • Hired and non-owned auto liability coverage available
  • Expanded definition of bodily injury to include sickness or disease caused by mental anguish or emotional distress

In addition, we also offer coverage for the following:

Property:

  • Building
  • Building Contents
  • Property Extension Endorsements

At PJO Insurance Brokerage in Orange County, CA, we welcome the opportunity to review your current insurance or work up an entire new plan for your business. We look forward to hearing from you. Please call us at 949-354-0789 or email us at patrick@pjobrokerage.com.

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