Group Liability Insurance Policy and Accident Insurance Policy

Membership with Assure Child Care offers Family Child Care Providers the ability to participate in our Insurance Program. If you are looking at purchasing a policy for your family child care business, this section is for you.

This is a brief description of coverage and is not intended to amend or alter the conditions and terms of the policies. Complete policies are available for review from the Assure Child Care office.

Accident and Dental Expense: Pays Covered Expenses for medical or surgical treatment, services, or supplies as outlined in the policy, that result directly, and from no other cause, from a Covered Accident if the first expense is incurred within 365 days of the date of a Covered Accident.

Benefits are only payable up to $10,000 per Covered Accident:

for Usual & Customary Charges incurred after the Deductible has been met;
for those Medically Necessary Covered Expenses incurred by or on behalf of the Covered Person;
for Covered Expenses incurred within 365 days after the date of the Covered Accident. NO deductible applies!

Accidental Death & Dismemberment:

Pays a lump sum benefit for accidental loss of life, limbs, or sight occurring within 365 days of a Covered Accident.

Excess Coverage Protection:

This applies to providers and substitutes only for the Accident Medical and Dental Expense Coverage only. If a Covered Person incurs Covered Expenses, the policy pays the applicable benefit, subject to any applicable Deductible. Benefit Period and Benefit Maximum shown on the Schedule of Benefits that are in excess of expenses payable by any other Health Care Plan, regardless of any Coordination of Benefits provision contained in such Health Care Plan. The first expense must be incurred within 365 days from the date of the Covered Accident. No deductible applies.

For Accidental Death and Dismemberment Coverage/Accident Medical and Dental Expense Coverage:

This is an Accident Only Policy.

This is a brief description of coverage provided under policy form series AH-51051, underwritten by Berkley Life and Health Insurance Company (domiciled in Iowa - California Certificate of Authority #08527) (In CT and NY only, underwritten by StarNet Insurance Company (domiciled in Iowa - California Certificate of Authority #6978)) 2445 Kuser Road, Suite 201, Hamilton Square, NJ 08690 and is subject to the terms, conditions, limitations and exclusions of the policy. Please see the policy for complete details. Coverage terms, conditions, limitations and exclusions may vary or may not be available in all states.

Liability:

Coverage is based on acts & damage arising solely from a licensed child care operation. No deductible applies.

You select the effective date and the liability limit. Pay for the premium in full or make installments---you decide what works best for you.