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About Us

Head Start Program

The Head Start Program consists of a comprehensive package of insurance coverages specifically designed to address and support the coverage issues of Head Starts.

The program is designed to entertain Head Starts that are given grants or administered by the U.S. Department of Human Services for low income families.

Why Head Start Program is the market leader:

  • Over 30 years in the child care industry
  • Risk management resources and services available
  • Outstanding claims and customer service
  • Committed to protecting you and your children

Coverage Highlights

Property Coverages

  • Employee theft
  • Equipment breakdown
  • Custom enhancements available
  • Business income limit increased to $300,000 (some coastal restrictions)
  • Ordinance or law limits increased
  • Money & securities increased to $25,000
  • Spoilage increased to $50,000
  • Pollutant clean-up limits raised to $25,000
  • Back-up sewer and drains
  • Computer hardware & software increased to $100,000
  • Business income utility service increased to $50,000
  • Valuable paper/record increased to $100,000
  • Emergency vacating expense increased to $50,000 per occurrence 

General Liability Coverages

  • Coverage up to $1,000,000/$3,000,000 on occurrence basis
  • Automatic aggregate per location
  • Automatic coverage for EPLI including defense with limits up to $25,000
  • Legal and media expense reimbursement with limits up to $10,000
  • Improved automatic additional insured status

Professional Liability Coverages 

  • On occurrence basis with limits up to $1,000,000/$3,000,000

Sexual/Physical Abuse Liability Coverages

  • On occurrence basis with limits up to $1,000,000/$3,000,000
  • Abuse coverage with defense outside the limits

Auto Liability Coverages

  • Auto liability coverage up to $1,000,000
  • Automatic liability coverage for lessors of leased autos
  • Fellow employee coverage from covered autos (liability) 
  • Rental reimbursement (up to $50/day, maximum of 30 days)
  • No deductible for glass repair 

Other Coverages Available

  • Student accident coverage
  • Workers Compensation: available in most states

*This insurance program is not endorsed by or associated with the U.S. Department of Heath and Human Services Head Start Program.

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You must be an appointed agent with Markel to submit an application.
For more information about appointments, click

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In addition to an ACORD application, please complete the appropriate applications:

Head Start Program Application  

Email your completed applications to or fax to 678-290-2200.

Underwriting Guidelines

In addition to the application(s), we need the following:

  • ACORDs (applicant information section and each line of business)
  • 4 year hard copy loss runs  
  • Copy of license for each location
  • Copy of state inspections
  • Current brochure

Click here to visit our Head Start Program product site.

Head Start Contacts

Contact the new business underwriter for your state