Whether you operate a day home, day care, or preschool, it’s important that your assets are properly protected with the right insurance coverage. As an Insurance Broker, we can assist you with finding the right policy and coverage to suit your business.
Important Coverage for your Day Home, Day Care, or Preschool
Property:
The property portion of your policy provides coverage for your buildings (including upgrades), the exterior glass and signage, as well as sewers and utilities above and below ground on your premises. It also includes the following:
- contents coverage, includes electronic equipment (including laptops)
- privacy breach expenses
- accounts receivable
- landscaping including lawns, trees, shrubs or flowers
- business contents away from premises (for example at trade fairs, exhibitions, educational fairs)
- fine arts
- valuable papers
- and more
Crime:
Crime coverage offers a broad range of coverages, including:
- employee dishonesty
- money, securities and other property
- counterfeit currency and money orders
- forgery, alteration, credit card and automated teller card
- electronic fraud and funds-transfer fraud
- incoming cheque forgery
- client or customer property
Liability:
Liability coverage protects you in case of lawsuits for bodily or mental injury and property damage, personal and advertising injury liability, tenant’s property damage liability and voluntary medical payments.
- coverage territory is worldwide (provided actions are brought and adjudicated in Canada or the U.S.)
- employers’ liability included for Canadian resident employees
- liability for non-owned autos
- false arrest, detention, imprisonment or malicious prosecution
- discrimination, unless criminal or employment-related
- abuse coverage may also be available
Equipment Breakdown:
Provides protection for accidents to compressors, heating systems, electrical panels, mechanical or electrical machines or apparatus including production machinery.
Additional Coverage Available:
Even more protection is available through the following coverages:
- employee benefits errors and omissions (E&O) liability
- privacy breach E&O liability
- commercial auto
- umbrella coverage (which provides an extra layer of liability coverage)
For more information or to obtain a quote on your Day Home, Day Care, or Preschool, please contact us and one of our friendly and knowledgeable commercial insurance brokers would be happy to assist you!
Thank you,
The Costen Insurance Team
