GMA writes Insurance for Child Care with CapSpecialty!

CapSpecialty understands the importance for child care businesses to have comprehensive coverage that safeguard its unique needs. Their broad coverages are specifically tailored for for-profit and not-for-profit child care risks. This product is issued by Capitol Indemnity for admitted and Capitol Specialty Insurance Corporation for non-admitted.

States Available: ME, NH, VT, CT, NY & NJ

Application: pdf CapSpecialty Child Care Questionnaire (76 KB)

Business Owners Policy

Liability Coverages

  • Limits up to $1M each occurrence/ $3M aggregate available
  • Abuse and molestation sublimits available up to the liability limits
  • Professional liability
  • Dog bite sublimit is available for eligible dog exposures
  • Water activities sublimit is available for eligible water exposures
  • Damages to premises rented to you - $100K

Automobile Liability

  • Subject to State availability
  • 12 passenger vans considered
  • Multi-function school activity buses considered up to 17 passengers

Property Coverages

  • Direct physical loss covered unless excluded (subject to policy terms)
  • Business income - actual loss sustained
  • Extra expense
  • Equipment breakdown
  • Newly acquired or constructed buildings - $250K
  • Increased cost of construction - $10K
  • Electronic data - $10K
  • Pollutant clean-up and removal - $10K
  • Personal property off-premises - $10K
  • Accounts receivable - $10K
  • Valuable papers and records - $10K
  • Coverage for fungi, wet rot or dry rot - $15K

Targeted Risks

  • Licensed, Certified or Registered Types
  • In-Home
  • Group Centers, Including:
    • Commercial
    • Head Start
    • Preschool
    • Nursery School
    • Pre-K
    • Montessori
  • 24-Hour
  • Drop-in
  • Latchkey

Incidental Exposures

  • Dogs on premises (some restrictions apply)
  • Wading pools and other water activities
  • Field trips away from premises
  • Overnight stays (some restrictions apply)


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