Day Care Insurance
Greenwood General gives retail agents and brokers wholesale market access to General Liability, Commercial Property, and Abuse & Molestation solutions for eligible single-location and multi-location day care operations. Same-day quotes may be available for qualifying risks up to $1.5M TIV, subject to underwriting.
Day Care Insurance Program
As a wholesale MGA, Greenwood General gives retail insurance agents and commercial brokers access to day care insurance markets designed for eligible child care centers, preschools, and early learning facilities. The program supports both single-location and multi-location risks with commercial general liability and commercial property options, plus included Abuse & Molestation coverage. Explore all of our wholesale commercial insurance markets.
Available Coverages
Build a coverage structure around the operational and property exposures of the day care account.
Commercial general liability for eligible day care operations, premises exposures, and child care activities.
Commercial property for qualifying child care buildings and eligible business personal property exposures.
Sexual and physical abuse coverage is included for eligible day care accounts, subject to underwriting.
Program Highlights
The program combines straightforward minimum premiums, property capacity for smaller schedules, and built-in abuse coverage for qualifying day care accounts, subject to underwriting.
Submission Requirements
Complete submissions help underwriting review licensing, child capacity, staff-to-child ratios, abuse-prevention controls, property details, and prior loss experience — the fastest path to a bindable quote.
Built for Brokers
Submit a complete day care account for access to General Liability, Commercial Property, and abuse coverage solutions designed for qualifying child care operations — or contact underwriting to confirm eligibility.
Day Care Insurance FAQ
Eligible classes may include licensed day care centers, child care centers, preschools, early learning centers, and child development centers, on both single-location and multi-location accounts, subject to underwriting review.
Yes. Preschools and early learning centers may be eligible as licensed child care operations, subject to licensing, operations, and underwriting review.
Montessori schools and similar early education programs may be considered as licensed child care operations, subject to the mix of programs, licensing, and underwriting review.
Yes. Both single-location and multi-location day care accounts may be considered, subject to underwriting review and overall program eligibility.
Available options include General Liability and Commercial Property, with package solutions and included Abuse & Molestation coverage for eligible day care operations.
Yes. Sexual and physical abuse coverage is included with $100,000 per claim and $300,000 aggregate limits for eligible day care accounts.
Included abuse limits are $100,000 per claim and $300,000 aggregate. Higher limits of $250,000 per claim and $500,000 aggregate may be available at a rate of $10 per child, subject to underwriting approval.
Same-day quotes may be available for eligible day care risks with total insurable values up to $1.5M when a complete submission is provided.
Eligible licensed day care operations may be written for up to 250 children per policy, subject to underwriting.
Playground equipment, indoor play areas, and any transportation or field-trip exposures are reviewed by underwriting and should be fully disclosed on the submission. Availability varies by operation and is subject to underwriting.
Excess Liability may be available for qualifying day care accounts over eligible underlying coverage, subject to underwriting.
A complete submission typically includes ACORD 125, 126, and 140 when property is requested, a completed day care supplemental, licensing details and child capacity, abuse-prevention and screening procedures, property details, and currently valued loss runs.
Greenwood General is licensed in 47 states. We currently do not write business in Florida, Georgia, or New York. Day care eligibility still varies by carrier, licensing, child capacity, operations, property, loss history, and underwriting guidelines — confirm eligibility with your underwriter.
