Childcare D and O

Directors & Officers Employment Practices Liability Insurance

Selected by NAEYC for child care centers

how to obtain a quote and proposal form policy features

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With this NAEYC-selected program your child care center is protected against possible lawsuits for alleged wrongful acts (whether they actually happened or not) including omissions, neglect or breach of duty. The protection also covers employment practices. For example:

A candidate for a position at a child care center sues claiming a less qualified candidate has been hired instead.

A child care center director is accused by a parent of failing to provide adequate supervision of an employee caring for her daughter. The parent believes the employee has been reading inappropriate books to the children.

A former employee of a child care center alleges that she was fired because she is 65 years old, even though she believes she is still able to perform her job. She brings a wrongful termination suit against the center claiming that she was discriminated against on the basis of age.

The policy does not cover fraudulent, dishonest or criminal acts.

Why Do We Need This Insurance?

The number of lawsuits is rising. And defense costs tend to be very high ... even in successfully defended cases ... even in cases where your child care center has done nothing wrong. Having Directors & Officers Employment Practices Liability (D&O/EPL) insurance protects the assets of your center and your staff and volunteers. This kind of security can help you attract and keep competent and qualified people, and it allows you to do your job properly.

Do I Need This Insurance if We Have General Liability Insurance?

Yes, you are still vulnerable even if you have other kinds of liability insurance. Most general liability insurance doesn't cover employment-related actions and other kinds of claims against your board.

How About if our State has Volunteer Protection Laws?

Most volunteer protection laws cover individuals, but would not protect your organization, and they do not prohibit the most common types of employment-related claims.

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Policy Features

Claims-made policy (The policy pays for claims made during the time when the policy is in force.)

Duty to defend coverage (The insurance company has a "duty to defend" a claim against the insured center.)

Defense costs in addition to the limit of liability (You won't use up the total benefit amount on legal expenses before you have to pay the claim.)

Claims are paid as expenses are incurred (so you don't have to wait for reimbursements and face a cash flow problem.)

Definition of claim includes EEOC proceedings and written demands.

No individual insured vs. insured exclusion

Covers many employment exposures including:

wrongful termination

harassment

discrimination

failure to promote

failure to provide adequate work place policies and procedures

Who is Covered?

All directors, officers, employees, including staff, volunteers and committee members are covered. The policy also protects the assets of the child care center itself.

How Much Coverage Can We Purchase?

The coverage limits are $500,000 or $1,000,000

What is the Retention (Deductible)?

$1,000

How Much Does it Cost?

Coverage is quoted on a case-by-case basis depending on the information you provide about your child care center. Members of NAEYC receive special rates, and NAEYC-accredited centers will be eligible for additional credits.

Can Our Coverage be Canceled?

The carrier cannot cancel coverage during the policy year except for non-payment of premium.

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It's Easy to Obtain a Quote.

Complete the proposal form. (If you would prefer to fill out the proposal form by hand, please type or print all answers in ink.)
NAEYC-accredited child care centers, please complete a short additional form to determine additional credits on your rates.
Print out the completed form and mail, along with a financial statement or annual report (and the short additional form for NAEYC-accredited centers), to
Forrest T. Jones & Company, Inc.
3130 Broadway, P.O. Box 418131
Kansas City, MO 64141-9131
We'll rush you a no-obligation proposal for your Child Care Center D&O-EPL policy.

Need Assistance?

This information contains only a brief description of the policy and is not binding. For actual coverage terms and conditions, please request a specimen policy.

Selected by NAEYC

Administered by:
Forrest T. Jones & Company
Kansas City, Mo.
An insurance partner with educational associations since 1953.

Underwritten by:
Great American Insurance Group
Schaumburg, Ill.
Strength with integrity for 125 years.

186-31688 900

how to obtain a quote and proposal form

You must have Adobe Acrobat Reader 4.0 or higher installed to view and download the applications.

Click to download or upgrade your free copy of Adobe Acrobat Reader

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