Integrity Now Insurance Brokers specializes in Daycare Insurance in the Long Beach California and surrounding areas. As a business owner you never expect bad things to happen. As a daycare provider you are responsible for someone’s most important asset, and parents are trusting in you to take very good care of their children. You are responsible for keeping them safe while they are in your care, custody, and control. But no matter how carefully you watch the children in your facility, accidents can and do happen. It is important that you create a risk management plan to help reduce the probability of an accident. Part of this plan needs to include liability insurance. This allows you to transfer most of the financial responsibility to someone else. Without you purchasing insurance you will be held financially responsible.
The next question you may be asking is how much liability insurance do I need to purchase. No one really knows the answer to this question, as how do you put a value on the loss of a human life or an injury. It is recommended that you purchase no less then $1 million dollars. This amount would be the most an insurance company would pay in the event of a loss.
Now that you know you need liability insurance for your daycare or preschool what is the next step. You will need to find a company that can offer you coverage and has experience in placing insurance policies.
Integrity Now Insurance Brokers, Inc has experience in placing this type of coverage with multiple insurance carriers. We enjoy helping daycare facilities and preschool’s structure an insurance program that meets your specific daycare needs, so you can do what you do best without worry.
• Comprehensive General Liability – Limits to $1,000,000 each occurrence/$3,000,000 aggregate
• Premises Liability
• Personal Injury Liability
• Abuse and Molestation coverage options
• Employee Benefits Liability
• Corporal Punishment coverage available
• Blanket limits with large in-house capacity
• Special Causes of Loss coverage on buildings and contents
• Replacement cost endorsement
• Business Income included under the Elite Property Enhancement Form
• Separate limits of $1,000,000/$3,000,0000 available
• Defense costs in addition to the Limit of Liability
• Most favorable venue wording for punitive,
multiple or exemplary damages
• Order of payments language with priority placed
on indemnifying Individual Insured first
• Owned auto
• Hired and non-owned auto
• Rental Reimbursement
• Minimum physical damage deductibles of $500/$1,000
• Money and Securities
• Money Orders and Counterfeit Paper Currency
• Employee Dishonesty
• Product specific web-based loss control solutions
• Free On-line interactive Defensive Driver Training course and examination
• Regular E-Flyer communications on current Loss Control issues and Large Loss Lessons Learned
• Strategic partnership with best in class vendor for discounted background & motor vehicle record (MVR) checks
A preschool or daycare has a lot of different liability that need to be covered. It is important that you work with an independent insurance agent who specializes in this type of coverage. Integrity Now Insurance Brokers has the experience you need. Contact us today for your free insurance quote.
Please note that not all carriers offer the same key benefits as outlined above. Depending on the insurance carrier we select some of the key benefits may change.
Integrity Now Insurance Brokers, Inc. is a multi-line insurance agency, providing personalized insurance coverage for families and businesses, throughout Long Beach, California.
Integrity Now Insurance Brokers, Inc
6285 East Spring Street, Suite 457 Long Beach, CA 90808
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