Childcare
Virginia Child Care Association
GHT offers exclusive Insurance Coverage for members of the Virginia Child Care Association (VCCA)
Putting importance on what is truly important.
GHT is now offering your Child Care Center a wide range of Specialized Insurance Coverages. Our experience and knowledge will help your center's profitability and growth.
Our Day Care Package is uniquely designed to fill a wide variety of special insurance needs for Day Care Centers and Preschools. Each Policy is custom tailored to address each insured's unique exposures.
Coverage Features…
Liability
- Comprehensive General Liability – up to $3 Million
- Abuse & Molestation Coverage – up to $1 Million
- Employee Benefits Liability
- Coverage for Special Events
- Day Care Organization Professional Liability
Crime & Fidelity
- Employee Dishonesty
- Theft, Disappearance and Destruction
- Forgery or Alteration
Property
- Blanket limits available
- All Risk on building, contents, loss of income and extra expense
- Computer equipment coverage
- Replacement cost endorsement
- Business Income changes – educational institutions (tuition reimbursements)
Automobile
- Owned business automobiles
- Non-owned automobile exposure
- Hired automobile exposure
- Rental reimbursement
- Towing
- Minimum Physical Damage
- Buses, 15 passenger vans, private passengers
Program Eligibility…
Acceptable Classes
- Both for-profit and no-profit Commercial Day Care Centers
Acceptable Exposures
- Playground
- Field Trips
- Staff to child ratios in conformance with state law
