Commercial child care insurance

From daycare centers to after school programs, Markel Specialty's child care insurance can help.

As one of the nation’s leading providers of commercial child care insurance programs, Markel Specialty can help you safely protect your business with the right types of daycare liability and property insurance at affordable prices.

For over 20 years, our commercial child care insurance program has provided coverage to many different types of daycare facilities including:

• Licensed child care centers
• Nursery schools
• Montessori schools through Kindergarten
• Preschools
• Before-school and after-school programs

Our clients choose us year-after-year because they are happy with our insurance products and our knowledgeable, friendly claims service specialists.

Commercial child care insurance coverage

Markel Specialty child care insurance can mean getting the right insurance for you - no matter the size of your operation. A nursery school may have very different needs from an after-school program. But every kind of daycare program, regardless of size or number of children, needs flexible, affordable insurance that’s the right fit for the business.

General liability
It is recommended for commercial child care facility to have commercial general liability insurance. This essential coverage can offer insurance protection to you if you are sued by someone who claims you caused their physical injury or damaged their property.

Professional liability
Professional liability coverage allows teachers and providers to perform their professional duties without fear of devastating lawsuits, defense costs, and judgments. Markel Specialty offers limits up to $1 million for each wrongful act/$3 million aggregate. (Aggregate is the maximum amount we will pay for all covered claims combined.)

Abuse and molestation liability
Markel Specialty offers this critical coverage for situations that can be explosive. Our claims staff has expertise in handling these types of claims. Markel Specialty offers limits up to $1 million per person-occurrence/$3 million aggregate.

Property insurance
If you own the building that houses your child care facility, you may commercial property insurance to help protect both your building and its contents. If you rent, you may need property insurance to cover your valuable equipment. Markel Specialty’s coverage is available on a special cause of loss basis, which means you’re covered for events like fire, burglaries, vandalism, and even frozen pipes.

Optional coverage

Accident medical
Accident medical insurance can cover children’s medical bills if they are injured at your facility or during activities you sponsor and have no insurance of their own, or their bills exceed what their insurance pays.

Commercial auto
Markel Specialty’s automobile insurance provides liability and physical damage coverage for the owned, leased, non-owned, and hired automobiles (such as vans, pickups, and buses) used at your facility. Limits up to $1 million available.

Umbrella liability
Umbrella liability insurance provides additional insurance protection that takes effect after you’ve gone above the limits of your general liability, abuse and molestation liability, professional liability, or automobile liability insurance.