Posted by: jmwilsonmga | August 2, 2011

Interview with an Expert : Day Care Insurance

Kristin O'Leary, Marketing Research Coordinator & Interviewer

Today, we are continuing our “Interview with an Expert” series. 

I’ll be interviewing Cindy Behrman, Michigan Property & Casualty Underwriter and one of J.M. Wilson’s  Day Care  experts.  Cindy has thirty years of insurance experience and has been a part of the JM Wilson team for over eight years.  Her job responsibilities include servicing and writing different lines of property and casualty business.  In her spare time, she enjoys gardening, cooking, and spending time with family.

So, without further ado, let’s learn about Day Care Insurance!

 What are some of your agents’ commonly asked questions regarding Day Care Insurance?

  1. Will they write a pool?  Some carriers will, if it is fenced and has a self-locking gate.  I recommend that the insured also buy an inexpensive float alarm for the pool.
  2. How many children are allowed for an in home day care? Up to 12 children can be in a home day care environment, providing there is the correct number of staff according to the State guidelines.
  3. What if the play yard isn’t fenced? We do have carriers that will consider this, but it is recommended that the area be fenced for safety, as well as security.

Are there any special supplements that are needed to quote Day Care coverage?  Where can an agent find the correct applications to submit the risk to us?

  • Yes, there are special supplements for Day Care risks.  They can be found on our website (,  under Forms and Applications.  Select the Capitol Indemnity Day Care supplement.  This works well for all companies. Feel free to call us at (800)666-5692 and ask for an underwriter in the P&C dept if you need any assistance.

What is the minimum premium for Day Care Insurance?

  • Depending on the market, the minimum premium varies between $350 for admitted carriers to $1,000 for non-admitted carriers.  Premium is based on the number of children, dogs, swimming pools, field trips, the amount of personal property requested, and more.  

Are there any special extra coverages that can be included?

  • Absolutely.  We can include spoilage for day care foods, outside play equipment, fencing, hired/non-owned auto coverage, and more. 

What are some of the Day Care requirements?

  • Day Care requirements include; no aggressive dog breeds (Rottweilers, Dobermans, Shepherds, Pitbulls, Boxers, or Chows), licensed for Day Care, and the appropriate number of staff to child ratio. 

Anything else you would like to share with our readers regarding Day Care coverage? 

  • We do check the day care license for each risk.  Any violations are a red flag and will need an explanation of the corrective action plan filed with the State.  Some underwriters look at all breeds of dogs.  Personally, I do not like to write a day care with a Cocker Spaniel, Spitz, or Beagle.  I also look at the number of cats, horses, etc. 

Are you currently writing or considering writing Day Care Insurance?  Please share any questions you may have or any of your experiences with us here on our Blog.  We will respond to any and all questions!

Disclaimer :  This article is for informational purposes only.  There is no legal advice being suggested or proffered.  The author assumes no responsibility or liability for the actions taken or not taken by the readers based upon such information.  This article is the opinion of the author and is not supported or endorsed by J.M. Wilson.  It should not be relied upon and may contain inaccuracies or content may have changed over time, contact your underwriter for the most current and accurate information.  Any comments or responses are the opinions of their authors.  Content on this site is believed to be covered under Fair Use.

Copyright 2011 J.M. Wilson Corporation

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