All City Insurance, Inc.
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Childcare centers

Since 1998 ACI has been providing comprehensive and affordable insurance for Childcare Centers clients nationwide.  

GET A QUOTE

Products Offered:

ACI is a one-stop shop for your Child Care Center Insurance offering the right protection

at the lowest premium, our policies can be customized to included:


  • General Liability
  • Commercial Property
  • Abuse and Molestation Liability
  • Professional Liability
  • Cyber Liability
  • Hired and Non-Owned Auto


In addition you can add coverage to with the convenience of having just one insurance carrier:


  • Workers Compensation
  • Employment Practices Liability
  • Accidental Medical 
  • Commercial Automobile 


Clients Served:

  • Commercial Child Care Centers
  • Churches 
  • Schools
  • Non-Profit Organizations


Resources

Childcare.gov

Childcare Licensing (Florida)

Childcare Licensing (Georgia)

NAEYC

NAFCC


INSURANCE APPLICATIONS 


MORE INFORMATION? - CONTACT US


Get a Quote

Specialty Coverages for Childcare Centers

Risk Control Services for Childcare Centers

Specialty Coverages for Childcare Centers


  • Volunteers included 
  • Hired and Non-owned Automobile 
  • Sexual abuse coverage available 
  • Employee indemnification Defense  
  • HIPPA 
  • Teacher’s Liability coverage  
  • Expanded definition for the insured.
  • Third Party EPL coverage included 
  • Personal and Advertising injury – includes abuse of process or   discrimination 
  • Workplace violence Agg. limit / location 
  • Fiduciary Liability 
  • Cyber Liability/Data Breach 
  • Separate limits for GL and Management Liability 

Special Coverages

Risk Control Services for Childcare Centers

Specialty Coverages for Childcare Centers

$50,000 limits each for: 


  • Business, Travel and Accident 
  • Donations Assurance
  • Identity Theft Expense
  • And many more

Risk Control Services for Childcare Centers

Risk Control Services for Childcare Centers

Risk Control Services for Childcare Centers

     

  • Risk Management Resource Library
  • Crisis planning for schools
  •  Pre-employment screening and background checks
  • Prevention of sexual abuse, molestation and misconduct
  • Slip, trip and fall hazard list Playgrounds
  • Driver qualification, training and monitoring
  •  Parking and pedestrian safety
  •  Employment Practices Hot Line
  • Cyber-related pre and post breach services
  •  Free legal consultation 

General Liability

Professional Liability

Professional Liability

General liability insurance covers a wide range of daycare accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by state governments.

Professional Liability

Professional Liability

Professional Liability

Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of misplacing forms which list confidential health information about the children in your care, it could help cover related expenses to defend yourself.

Workers Compensation

Professional Liability

Workers Compensation

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees, and you might need coverage before you can get your daycare license. Choose business owner’s coverage with your policy to protect yourself.

Commercial Auto

Commercial Property

Workers Compensation

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you tear off a side mirror while backing your work van out of a parking spot.

Commercial Property

Commercial Property

Commercial Property

Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.

APPLICATIONS and forms

Childcare Center Quote Request - ACI (pdf)Download
Day Care Centers & Nurseries - Western World (pdf)Download
Nonprofit Questionnaire - AmTrust (pdf)Download

FAQ

What Education and Training Do Childcare Professionals Need?

According to the Bureau of Labor Statistics (BLS), childcare workers need a high school diploma or the equivalent to work in a daycare center. Childcare workers can receive short-term on-the-job training. Although the job openings for childcare workers are expected to grow slowly between now and 2028, the BLS projects that preschool and childcare center directors will be in higher demand, growing at about 7%. Preschool and daycare center directors need a Bachelor's degree and on-the-job experience in early childhood education. They can also get a national credential, the CDA (Child Development Associate) credential.

What Licensing Requirements Do Most States Have in Common?

Childcare.gov provides information for parents and daycare providers. While child daycare licensing for different sizes and types of daycare businesses vary from state to state, each state meets basic requirements for a daycare license, including:


  • Supervision of children: maximum number of children per childcare worker, maximum number of children per facility and per administrator or supervisor.
  • Building safety: emergency exits, repairs, safety, and cleanliness.
  • Health safety: child immunizations, diapering for younger children, hand washing and sanitation.
  • Food and nutrition: food quality, storage, and nutritional standards.
  • Training and education: minimum levels for licensed facilities.


Most daycare facilities in the majority of states are licensed based upon the following factors:


  • Age of children (0-5, school-aged)
  • Number of children served
  • Type of daycare (home-based vs. community facility)

How Many Children Can One Adult Care For At a Time?

Childcare.gov provides information about best practices in center and class size by age. State requirements vary, but in general, different age groups require different ratios of teacher and aide to children. The following guidelines cover best practices:


  • Infants (0-12 months): One trained adult for three to four infants
  • Young toddler (1-2 years): One trained adult for three to six young toddlers
  • Older toddler (2-3 years): One trained adult for four to six older toddlers
  • Preschool (3-5 years): One trained adult to no more than six to 10 preschoolers
  • School-aged (5 and up): One trained adult to no more than 10 to 12 school-aged children.


Some centers do not accept children younger than three years because of the special requirements of diapering and feeding very young children. Educational programs like Montessori or private schools may start children when they are potty-trained and can safely drink liquids without choking if they are younger than three.

Which Health And Safety Training Is Required?

Basic federal health and safety requirements cover all states. According to Childcare.gov, all adults who are taking care of children at a daycare center need to have training in:


  • Pediatric first aid and CPR
  • Infectious disease prevention (handwashing to immunizations)
  • Safe sleeping practices and prevention of sudden infant death syndrome (SIDS)
  • Recognition and prevention of child abuse and neglect
  • Indoor and outdoor basic safety
  • Food allergy prevention and emergency response
  • Emergency preparedness for natural disasters
  • Child development, physical activity, and nutrition

Can You Operate a Daycare Without a License?

You will be violating the law in the majority of states if you accept payment for taking care of unrelated children in your home on a regular basis without a daycare license.Occasional babysitting isn't considered under most state daycare regulations. In California, programs operating without a daycare license can be fined up to $200 a day. 

What Insurance Is Required For Daycare Businesses?

Each state will have its own requirements for business insurance, and you may find additional requirements for coverage from your city and county. If you've met all of your requirements for licensing in your state, daycare insurance will be available for you. After you've done everything you need to be licensed, daycare marketing ideas can help to build your business. Running a daycare is challenging but incredibly rewarding when you see children learn and grow every day.

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All City Insurance, Inc.

1400 NW 107th Avenue, Suite 210 Doral FL 33172

(305)463-9431

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All City Insurance, Inc.

1400 NW 107th Avenue, Suite 210 - Doral, FL 33172

(877) 463-9431 - gmail@allcityins.com

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