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Insurance Companies A through L |
1st Source Insurance Agency
Janet Crabtree
Amy Musselman
6909 Grape Road
Mishawaka, IN 4654
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Phone 1: 800-510-4102
Phone 2: 574-271-5200
Fax: 574-271-5240
Insurance offered
Auto
Health
Home
Liability
Other: We are a full service Independent Insurance Agency. We offer all lines of insurance from Business Insurance (daycare package, auto, work comp, property, liability etc), to Personal Insurance (home, auto, umbrella etc) and Health Insurance/Benefits (Individual health, group health, life insurance, disability insurance, vision, dental, Medicare Supplements etc.)
Available in
IN, MI, and OH
Began writing business liability insurance policies for family child care
1st Source has had the backing of the Indiana Childcare Association since early 2005.
Insurance company represented
For our daycare package including the home, auto and work comp, we use National Specialty Insurance (NSI) Company, which is a division of West Bend Mutual. They are AM Best A+ rated and one of Ward's Top 50 Insurance Carriers. They are a standard admitted carrier. You can visit their Web site at http://www.westbendmutal.com. We also represent dozens of other carriers as we are an Independent Insurance Agent.
Number of family child care policies written
unknown -- NSI has thousands
Number of family child care claims handled
NSI has special claims adjusters specially trained to handle Childcare claims. That is all they handle and they are professionals/experts in the Childcare field.
Does your organization automatically report all incidents to the insurance company?
All claims situations would be handled on a case by case basis. Our professional staff would advise the client the best way to handle the situation at hand.
Other information
Visit the Indiana Child Care Association's Web site at http://www.indianachildcare.com.
Adult and Children's Alliance
Phone: 800-433-8108
Insurance offered
Liability
Other: Accident
Available in
limited states
Other information
ACA is a non-profit organization that serves 39 states and the US Military. It is one of the largest child care organizations and insurance groups in the United States with over 7,500 members. Its insurance program has been in existence for almost 25 years and has served over 80,000 child care providers. The Alliance also provides child care resources, is a sponsor of the USDA Child and Adult Care Food Program, and is a leading child care support agency. ACA's insurance program is recognized by the National Family Child Care Association and has over 65 state and local child care associations and "Community Partners" agencies throughout the country.
Affiliated Insurance Services, LLC
Debe Marofsk
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Phone 1: 877-551-1300
Phone 2: 763-551-1300
Insurance offered
Auto
Health
Home
Liability
Other: Auto, bonds, health, homeowner's, liability, property, and worker's comp in IA, IL, IN, MN, WI. Disability and life in MN only.
Available in
A, IL, IN, MN, WI
Began writing business liability insurance policies for family child care
I have been writing family child care for 5 years and commercial centers for over 15 years.
Insurance company represented
Our strongest carrier for the child care program is National Specialty Insurance, which is a division of West Bend Mutual. This is an admitted carrier with an A+ rating. I have been in the industry for over 35 years and have learned to recognize the companies that are strong in both coverage and service. This company truly watches your back.
Number of family child care policies written
We have hundreds of family and commercial (rule 3) centers in the states shown under our name. Our program doesn't have a way to break out how many of what type of center we write.
Number of family child care claims handled
We have had a few claims ranging from a child falling and hurting himself to allegations of Physical abuse. National Specialty Insurance is ABSOLUTELY the company you want to defend you.
Does your organization automatically report all incidents to the insurance company?
Our policy on claims is to ALWAYS talk the claim through with the provider. We talk about the type of claim, who is involved and what the potential issues are. We work FOR the insured and REPRESENT the company. We don't want to do anything to jeopardize our insured in any way.
Other information
ONLY endorsed agent of the Minnesota Child Care Association for over 10 years. Over 35 years of experience in the insurance industry. Debe is the agency owner and has a staff with combined experience in the industry of 50 years. We are a group that will hold your hand from start to finish when there is a claim. We know our insureds; they are NOT numbers. We fully understand the need to insure child care properly and will develop a policy to meet your specific needs. We know there are very different needs to each owner. We can place all coverage with one company to avoid a gap in coverage.
Child Care Coverage Corporation
Marcia ClarkPO Box 321
Manhasset, NY 1103
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Phone 1: 866-748-6102
Phone 2: 516-570-0874
Fax: 516-570-087
http://www.childcarecoveragecorp.com/
Insurance offered
Home
Liability
Other: Homeowner's and liability insurance for in-home family child care providers only
Available in
CT, MA, MD, NJ, NY, and PA
Combs Insurance Agency, Inc. (Palmer branch)
Ron Combs , Vice President
341 South Alaska Street
Palmer, AK 99645
Phone: 907-745-2144
http://www.combsinsurance.com/
Insurance offered
Auto
Health
Home
Liability
Other: Bonds, directors and officers, disability, inland marine, life, professional, property, volunteer accident
Available in
AK
Other information
Providing the "Right Coverage at the Right Price" since 1967. Our Commercial Producers have 25+ years of experience and CIC designations. CSR's/assistance have 3-19 years of experience and CIC or CISR designations.
Combs Insurance Agency, Inc. (Wasilla branch)
Michael F. Comb , President
280 North Willow Street
Wasilla, AK 99654
Phone: 907-357-8242
Fax: 907-357-8248
http://www.combsinsurance.com/
Insurance offered
Auto
Health
Home
Liability
Other: Bonds, directors and officers, disability, inland marine, life, professional, property, volunteer accident
Available in
AK
Other information
Providing the "Right Coverage at the Right Price" since 1967. Our Commercial Producers have 25+ years of experience and CIC designations. CSR's/assistance have 3-19 years of experience and CIC or CISR designations.
DC Insurance Services, Inc.
Contact
Joe Silverman or Jordan Silverman
DCI Insurance: 800-624-0912
In Home Childcare for your childcare business
DCI's Childcare program for In-Home facilities covers the childcare provider and all residents of the household, employees and volunteers.
Insurance for In-home Childcare Facilities
As a Day Care Provider, you need special insurance for your day care business. Homeowner's policies do not provide coverage. Some companies will add coverage, but it is limited and excludes child abuse coverage. For more information before you apply for insurance, see our What You Need to Know page.
DCI's Childcare program for In-Home facilities covers the childcare provider and all residents of the household, employees and volunteers and includes:
- Professional Liability/Errors and Omissions (negligent supervision)
- Up to $100,000 Child Abuse
- Defense for administrative hearings related to allegations of Child Abuse
- Infants under six weeks
- Dispensing medication
- Food preparation
- All residents of household, employees and volunteers
- Personal injury (libel and slander)
- Field trips
- Swimming pools (on or off premises, without additional charge)
Optional
- Auto transportation coverage for enrolled children
- Non-owned auto liability (people using their car for your business)
No deductibles
- $20,000 accident medical expense for each child
- Accident medical expense for field trips and transportation
- Primary (pay first)
- Includes own children on excess basis in the day care
- $5,000 accidental death
- Provider and employees can be added to accidental medical coverage
Freisinger Insurance Group
Kristi Olso
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Phone: 800-658-9449
http://www.freisingerinsurancegroup.biz/
Insurance offered
Auto
Home
Liability
Other: Auto (in limited areas), home (in IA, MI, MN, MS, or WI only), personal liability and personal property (in IA, MI, MN, MS, or WI only)
Available in
CA, IA, MI, MN, MS, and WI
Began writing business liability insurance policies for family child care
1979
Insurance company represented
Capitol Indemnity Corporation and broker for Thomco (a managing general agency out of Georgia)
Which of these insurance companies are admitted?
The states we sell in are all admitted carriers, except CA, which is only non-admitted.
Number of family child care policies written
well over 2000
Number of family child care claims handled
We do not pay the claims, but we have had reported fewer than 100 claims in 28 years.
Does your organization automatically report all incidents to the insurance company?
All incidents that have been reported to us have been submitted to the proper company. Most are medical-only claims; any claim such as a death, a serious injury, or sexual or physical assualt are critical to report ASAP. We have had about 25 that have been reported as "advisory only" since the parents had medical coverage and had indicated they were not holding the provider responsible.
Other information
Multi-line offering business and personal insurance products. Soon to have Web site with loss control tips.
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