General Liability

This insurance is necessary for any business that welcomes the public onto its property. This provides coverage for property damage or personal injuries suffered by third-parties while they are in your place of business.

  • Good for Any Type of Business

  • Covers Property Damage and Personal Injuries

Student Accident

Covers students’ medical bills if they are injured at school or during sponsored activities

This is particularly important when dealing with children as they have a tendency to get injured. In most cases, the injuries will be minor, but if an injury is severe enough to require medical attention, your facility may be liable for the expenses

  • Covers the Student if Injured at School

  • Covers the Student if Injured at Sponsored Activities

Professional Liability

This insurance provides coverage for a teachers’ acts or omissions. If a child  enrolled in your program does not learn what is expected, a parent or guardian can sue the school. This coverage will help to defend your school in court.

  • Covers your Teachers and Childcare Workers

  • Covers if business is sued due to negligence

Commercial Vehicle Liability

This is required if your daycare business has company owned vehicles that are used to transport children to and from schools.

  • Covers Company Owned Vehicles Used to Transport Children

  • Hired and Non-Owned Auto Liability

Corporal Punishment Liability

If one of your employees strikes a child or is accused of administering corporal punishment, your business can be held liable.  This insurance option provides financial protection if you face a claim

  • Covers if an Employee strikes a child

  • Employee accused of Corporal Punishment

Abuse and Molestation Liability

If an employee of your daycare turns out to be sexually or otherwise abusive, your business can be liable for extremely expensive fines and medical payments. This insurance coverage will protect your business from severe financial losses.

  • Protect Your Business from Service Financial Loss

  • Protection if an Employee is Abusive

Umbrella Liability Protection

This coverage provides additional liability protection beyond the limits of your insurance policy’s liability limits. Larger daycare facilities may benefit from this added coverage.

  • Additional Liability Beyond the Limits of your Policy Liability Limits

  • Beneficial for Larger Daycare Facilities

Workers Compensation

A system of insurance that reimburses an employer for damages that must be paid to an employee for injury occurring in the course of employment

  • We can provide a 2% safety credit, 5% Drug Free Credit, & 10% Dividend program

  • We offer credits for Safety, Drug Free and a Dividend Program

“Kendra Maser is an expert when it comes to insurance for childcare! After many years of hopping from agent to agent, we have found the insurance company that we can trust to find the best price for the coverage that we need! We highly recommend the John Galt Insurance Agency to other businesses.”

Angelia Winn, M.Ed.
Owner/Director
Noah’s Ark Academy

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