Regardless of size or setup, our child care program provides solutions to owners that meet their needs. We help them protect their business while improving ways to keep children safe.

Keystone’s program is designed for commercial and nonprofit child care operations, nursery schools, before and after school programs, head start programs, in-home providers, and more.

We are a preferred provider for the North Carolina Licensed Child Care Association (NCLCCA), the PA Child Care Association (PACCA), and the VA Child Care Association (VCCA). We are a Bronze Vendor Partner of the Georgia Child Care Association (GCCA). Keystone is also a preferred vendor and member of the Ohio Association of Child Care Providers (OACCP).

This program is offered through our independent insurance agents. To request more information or a quote, fill out the form below.

Child Care Center

General Liability

Risk Factor

Visitors walking into the center could slip and fall, a teacher or employee could cause damage to a student’s property, or a lawsuit could be filed against your child care center.

Solution

General liability insurance is a necessity for any business. It provides broad coverage when you are deemed liable and will pay to defend lawsuits alleging injuries or property damage which occurred as the result of your center’s operations.

Business Personal Property

Risk Factor

Fire, weather, burst pipes and other losses are frequent for child care centers given the large amount of physical space required to operate. These losses can cause significant damage to the school’s business personal property.

Solution

Business personal property coverage allows the center to replace property that has been damaged or destroyed by a covered cause of a loss. For a child care center, this may include property like chairs, tables, books, toys, materials and supplies.

Workers’ Compensation

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

State disability and workers' compensation protects your employees should a job-related injury or sickness occur during their course of employment. This coverage is required by law, so be sure you have it.

Cyber Liability

Risk Factor

The internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage and other technologies bring great benefits to all businesses. But with these benefits also come challenges, including protection of privacy, data and financial information of your employees and students.

Solution

Cyber liability coverage covers unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion or any unintentional act, mistake, error or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your child care center.

Umbrella / Excess Liability

Risk Factor

What happens when your child care center faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers' compensation, business auto, and directors and officer’s liability coverage. It provides a great safety net and helps ensure your school is well protected.

Professional Liability

Risk Factor

All child care centers and schools are at risk for professional liability claims to be brought against them for negligence.

Solution

Professional liability protects your teachers and child care employees. If your staff is sued due to negligence in relation to a child’s safety or for making an error in judgement, your center can also be sued.

Abuse / Molestation

Risk Factor

When working with children or youth, there is always a risk that staff/owners could be accused of physical, sexual or mental abuse.

Solution

If an employee or owner is accused of abuse, you need abuse/molestation coverage to protect your center or school from the possibility of significant financial loss. Even unfounded lawsuits are costly to defend.

Commercial Auto

Risk Factor

Commercial auto is necessary if your center has company-owned vehicles and children are transported to and from school and/or field trips.

Solution

Commercial auto insurance can protect your center or school if an accident occurs or there is damage to a vehicle.

Hired and Non-Owned Auto Liability

Risk Factor

If you or your staff drive their own vehicle on business time or you rent vehicles in the business name to travel to meetings, conferences or elsewhere, you face additional exposure and risk.

Solution

Hired and non-owned auto liability protects your staff if they are driving their own vehicle to run errands. Your center or school can be held liable for injuries or property damage if a driver is involved in an accident. The hired liability portion covers rented vehicles when listed in the business name for travel use.

Employment Practices Liability Insurance (EPLI)

Risk Factor

Employment-related claims can be made by past or current employees, those who have applied for work, and even clients or potential clients.

Solution

Employment practices liability insurance can help protect your child care center from claims which may arise due to alleged negligence relating to discrimination, sexual harassment, wrongful termination, service refusal, or any other employee-related claim.

Employee Benefits Liability Insurance

Risk Factor

It’s possible that your child care center could incur losses if you offer employee benefits to your team.

Solution

The administration of benefit plans can be tricky. Employee benefits liability insurance help cover any losses resulting from many types of employee benefits plans such as health insurance, retirement plans and more.

Student Accident

Risk Factor

Everyone knows that children can be accident-prone. Often they trip and fall, collide with one another, or even knock out a tooth or break a bone, so it is important to obtain a student accident policy.

Solution

A student accident policy can cover children’s medical bills if they are injured at the center or on a sponsored field trip or activity. There are two options. Full excess reimburses secondary to the child’s health insurance plan and primary reimburses on a primary basis, regardless of the child’s current health insurance plan.

Specialized child care center insurance coverages:

  • Accident insurance for students with package policy including general liability at a discount
  • Keystone offers an exclusive safety credit for those centers that qualify!
  • Abuse and molestation coverage
  • Bodily injury coverage including mental anguish or emotional distress
  • Abduction coverage
  • Directors and officers liability
  • Employment practices liability
  • Cyber liability

Specialized industry services:

  • On-line loss prevention
  • Personalized training
  • Background checks
  • HR hiring services

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