(You must call SECA to receive a quote)

We are pleased to offer a comprehensive competitively priced Daycare Centre insurance package through the Co-operators, with the following coverage:

1. Property Insured:

• Contents at replacement cost – $100,000 / $200,000 optional
• Loss of income (including 90 day payroll)
• Extra expenses to resume operations – $5,000
• Accounts receivable – $5,000
• Signs – $5,000
• Exterior glass – $5,000
• Newly acquired locations
• Property temporarily removed – $5,000
• Data processing system and media – Broad coverage
• Buildings at replacement cost – notify SECA if you own your own building
• Sewer Backup at replacement cost – $2500.00 deductible

2. Crime and Fidelity:

• Employee dishonesty – $10,000
• Loss of money or securities inside and outside of your premises – $5,000
• (Reduced overnight)
• Counterfeit money or money orders and depositors; forgery – $1,000
• Audit expenses in the event of a loss – $5,000
• Volunteers covered

3. Accident:

• Student group accident – $15,000

4. Commercial General Liability $2,000,000

• This insurance protects you in the event your negligence causes injury to another person or damage to their property plus:
• Medical expenses – $2,500
• Liability from the use of a non-owned auto – $2,000,000
• Personal and advertising injury
• Your liability as a tenant
• Volunteers covered
• Please Note: Abuse/Molestation does NOT protect individuals accused of abuse or molestation.
• $250,000 Abuse/Molestation/Communicable Disease/Harassment sub-limit

5. Directors and Officers Liability:

• This is an optional coverage at $1,000,000 limit at a cost of $250 per year.