4 Coverages:

• Liability

• Professional

• Sexual & Physical Abuse

4 Related Coverages:

• Automobile
• Cargo
• Inland Marine
• Property
• Umbrella
• Workers’ Compensation

4 Sample Classes of Business:

• Commercial
• Drop in Care

• In Home

• Sick/Special Needs Care

4 Limits of Liability:

• $1,000,000/$2,000,000

• Higher Limits Available

4 Carriers:

• A++ Rated Superior by A.M. Best

4 Program Enhancements:

• Coverage for extended hour and overnight commercial child care facilities
• Coverage for risks with pets, pools, and field trips
• Defense Cost Reimbursement Coverage for alleged acts of molestation or abuse
   against the facility owner

• Employees including Directors and Assistant Directors as insureds under Child
   Molestation or Abuse Coverage

• Hired and Non-Owned