While blessed with many rewards, the child care profession poses many risks, too. You have a lot invested in your child care business. So, it just makes good sense to protect it. Cambridge Property & Casualty has been counseling providers on risk management and providing protection for many years.
We represent most every insurer that writes child care insurance. Below are brief descriptions of the various coverages available. To learn more about the insurance programs sponsored by Cambridge Property & Casualty, please contact us.
- General and Professional Liability
Provides coverage when the insured is legally obligated or has agreed to pay damages to others as a result of the insured's negligence. It usually provides coverage for bodily injury or damage to property of others.
- Sexual Molestation Liability
Covers claims of allegations of sexual molestation or unprivileged touching by a staff member for which you are responsible.
- Property Insurance for Building and/or Contents
Provides financial protection for real estate and personal property of the insured against physical loss or damage.
- Auto Commercial
Provides coverage for the insured's owned, unowned, and hired automobiles in the event of physical damage to an insured vehicle, property damage arising out of the insured's operation of a vehicle, and bodily injury.
- Workers' Compensation
Provides coverage to an employer in the event of injury, disability, or death of an employee.
- Employment Practices/Directors and Officers Liability
Coverage is available for legal costs to defend claims involving sexual harassment, wrongful termination and discrimination including legal liability for such acts.
- Umbrella Liability
A type of liability insurance available to individuals and companies protecting them against claims that are not covered by their primary policies or for claims not currently covered.
- Health Insurance Program
A broad term describing protection from loss due to illness or injury, resulting in loss of life, loss of earnings, or expenses incurred. Within the broad area of health insurance.
- Life Insurance
Provides coverage and income relief in the event of a death.
- Loss Control Services
Special reports, seminars and on-site visits are designed to help prevent incidents involving children and employees.