indiana childcare association. daycare, home & highway program: janet crabtree and amy musselman...
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Daycare, Home & Highway Program:
Janet Crabtree and Amy Musselman
Health Insurance:Nancy Matthews
Meet Our Staff:
The Company We Use
• AM Best – A+ Superior• Wards Top 50 Insurance Companies• www.westbendmutual.com
• Available Coverage – Auto– General Liability– Workers’ Compensation– Crime– Property– Inland Marine– Umbrella– Home, Auto & Personal
Umbrella
Childcare Insurance
Childcare Facilities• Eligible Risks
– Licensed– Certified– Registered– Group or Family– Indiana Child Care Association
Members
Childcare Services• Approved Programs/Services
– Drop-In– Head Start– Before and After School Care– Pre-Schools– 24-hour Childcare Centers– In-home Family Childcare– Commercial Group Centers
• Liability Coverage– General Liability
•$1,000,000 per occurrence•$3,000,000 general aggregate
– Employment Practices Liability– Not-for-profit D&O Liability– $10,000 Medical Payments– Umbrellas up to $5,000,000
Childcare
• Coverages Specific to Childcare– Professional Liability– Abuse and Molestation– Abduction– Professional License Review– Water Activities - option– Dog/Cat Liability - option
Broadest Protection
Critical Property Exposures
• Business Income & Extra Expense– 12 Months Actual Loss Sustained– Loss of Profits– Continuing Payroll expenses
• Systems Breakdown• Personal Property Coverage
Home & Highway• If daycare is insured, we can write
the homes & autos subject to normal underwriting considerations.
• Package program offering homeowners and auto coverage
• Personal umbrellas up to $5,000,000
Broad Protection
• Blanket Limits on Home• Guaranteed Replacement Cost• Replacement Cost on Contents• Auto Med Pay - $5,000• Rental Car Coverage $30 day
Identity Theft• $15,000 coverage• Attorney Fees• Lost Wages for time spent• Long distance bills, notary, and
certified mail expenses• Loan reapplication fees
Travel Net
• 24 Hour Roadside Emergency Service up to $150 per incident
• Emergency Travel Expenses - $250• Does not count against your Premium Value Award
Premium Value Award
• 5% of your earned Home & Highway Premium is returned to you each year you do not present a claim.
• That money is returned to the policyholder and can be used any way they want!
Health Care• Individual Medical• Group Medical• Health Savings
Accts• Life Insurance• Dental
• Long Term Care• Annuities• Trip Cancellation• Vision• Disability
Insurance
ICA and 1st Source You are a small business… as a
member of the ICA, you are now part of a larger group that has more power to negotiate discounts and get things done. The ICA is there fighting for you. 1st Source is there to help protect you.
In Summary…• Home , Auto and Daycare coverage
without the fear of being cancelled just because you have a day care in your home @ competitive rates!.
• The best available protection for your ChildCare Business as well as your Personal Home & Auto
In Summary• Professional Agents which know
and understand Your business.• Health Insurance Products
Available• More benefits coming in the future!• Join the ICA – It Pays!
Childcare Program
Questions??Call or email 1st
Source574-271-5200 or1-800-510-4102 [email protected]@[email protected]
Want to get a quote?• You can download the questionnaires
from www.indianachildcare.com• You can also download the home and
auto supplements needed to quote home & auto
• Fax or mail them to 1st Source Insurance
• OR just give us a call! 1-800-510-4102