Who asks for what
| Who | What they usually want to see |
|---|---|
| State licensing | GL and abuse and molestation at stated minimums, workers' compensation, auto if transporting |
| Landlord | GL with additional insured, property on improvements and playground equipment, workers' compensation |
| Field-trip venues and partner schools | GL and abuse and molestation naming them |
| Lender | Property with the lender as loss payee |
| Parents | Proof of licensing, which rests on the certificate |
How to check what you already have
- General liability dec page and forms. Each occurrence and aggregate; a separate abuse and molestation limit; no participant or professional exclusion that swallows the exposure.
- Professional liability. Included by endorsement or written separately.
- Property. Playground structures and outdoor equipment included; business income present.
- Workers' compensation. Full staff on the estimate, including part-time aides.
- Auto. Vans listed with the correct use; hired and non-owned for staff vehicles.
What usually goes wrong
- A generic business policy that excludes abuse and molestation.
- Transport in personal vehicles with no coverage on the center's side.
- Playground equipment missing from the property schedule.
- Certificate lapses at licensing renewal.
Renewal timing
Line the policy renewal up with the licensing cycle where you can, keep the certificate licensing needs live in the wallet, and compare sixty days before expiration with current enrollment and staffing figures.