About BCG Advisors

BCG Advisors is an industry leader in providinginsurance programs for Child Care Centers. Nomatter the size or location, we have the necessaryprograms and coverages to properly insureagainst all risks at an extremely competitive price.

BCG Advisors has specialized in insuring ChildCare Centers for more than ten years. Currently,we insure more than TWO HUNDRED Child CareCenters in the NY/NJ/PA tri state area. Our teamof licensed insurance brokers have a combined25 years of insurance experience.

BCG Advisors’ uniquely designed programs aretailor-made to fulfill a wide range of special needsfor Child Care Centers. We have long-standingrelationships with all of the leading insurancecarriers that provide insurance to Child CareCenters and Preschools.

Child Care CenterInsurance Specialists

Providing insurance to more than 200Child Care Centers in NJ/NY/PA

Jersey City • Red Bank

One Evertrust Plaza, 11th FloorJersey City, NJ 07302

Tel: (888) 685-9229 • Fax: (201) 435-4540

www.BCGAdvisors.com/ChildCareCenters.com

Lower Insurance Premiums

Lower Risk to YourChild Care Center

More Time to Spend onYour Business and Passion

BCG Advisors also offers a full suite of employee benefit programs specifically

designed for Child Care Centers:

Group MedicalGroup DentalGroup VisionGroup Life

Group DisabilityEmployee Paid Programs

Please call our office for more information.

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Multiple Insurance Carriers for Multiple Quotes: All insurance companies are not created equal in terms of providing the lowest price for the insur-ance needed. BCG Advisors has long-standing relationships with ALL of the leading insurance carriers who underwrite Child Care Centers. We aggressively shop the market of more than eight insurance companies to find you the best pricing for your needed coverage. Experience: The insurance industry pricing works in cycles. For example, one year an insurance company may have the lowest pricing in the marketplace only to raise premiums dramatically the next year. Our experience enables us to know which carrier, at any given time, is providing the most aggressive pricing in the marketplace. As experts in Child Care Centers, we make sure our clients are always ahead of the curve.

Eliminate Excess Insurance: BCG Advisorsidentifies areas where you may be over insured or have multiple policies covering the same risk. Our extensive experience insuring Child Care Centers provides us with the knowledge of all policies in the market and exactly what they cover. We will streamline your coverages such that you are properly covered without overlapping coverage.

Loss Control Specifically for Child Care Centers: BCG Advisors provides our Child Care Centers with strategies and information on how to minimize risk and minimize claims. Generally, the less claims you have the lower your premiums.

How to Save Moneywith BCG Advisors We know your business and we understand your

risks. We provide you with peace of mind knowing that your business is properly insured in case the unexpected does happen. We enable you to concentrate on the children and your passion, not on protecting it. We realize children are your business. Insurance is ours. BCG Advisors takes your partnership seriously for your business safety.

BCG Advisors offers a specialized financing terms for Child Care Centers who need cash flow for ongoing operational expenses. We will coordinate the financing of the policies and structure the payments to meet your financial needs. Additionally, several insurancecompanies also offer no interest payment plans.

Experience the Difference

Can’t Afford to Pay the Entire Premium at One Time?

General Liability coverage that protects you if someone claims you caused their injury, and paysto defend you if you are sued.

Comprehensive General Liability —Limits to $3,000,000• Premises Liability • Personal Injury Liability • Abuse and Molestation coverage options • Employee Benefits Liability

Property coverage that covers you whether yourent or own your center• Special causes of loss coverage on building, contents, business income and extra expense • No separate form needed for computer property, this is included under the personal property limit • Replacement cost

Automobile• Owned auto • Hired and non-owned auto • Rental reimbursement • Towing

Crime and Fidelity• Money and Securities • Money Orders and Counterfeit Paper Currency • Employee Dishonesty

Umbrella/Excess Liability• Limits up to $10,000,000

Professional Liability• Separate limits of $1,000,000 / $3,000,0000 available

Directors and Officers Liability• Defense costs in addition to the Limit of Liability • Most favorable venue wording for punitive, multiple or exemplary damages • Order of payments language with priority placed on indemnifying individual insured first

Coverages…Designed for Child

Care Centers

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