Who asks an early intervention program for what
| Who | What they usually want to see |
|---|---|
| Grant funders & government contracts | General liability, professional and abuse coverage at stated limits, directors and officers, and a crime bond over any funds held |
| Enterprise clients & vendor onboarding | General liability, professional or cyber liability, workers' compensation and often an umbrella |
| Landlords & commercial leases | General liability with the landlord as additional insured, property coverage on tenant improvements and workers' compensation |
Each of them wants a certificate, and most want it again at every renewal. A live certificate link from the wallet shows today's coverage to every holder and tells them when it changes.
How to check what you already have
- Professional liability declarations. Claims-made or occurrence, the retroactive date (it should not have moved), the limit per claim and aggregate, the deductible, and whether defence costs sit inside or outside the limit.
- General liability declarations page. Three liability numbers matter: each occurrence, general aggregate and the products–completed operations aggregate. Then the forms list: blanket additional insured, waiver of subrogation and primary and non-contributory wording satisfy every contract; scheduled forms satisfy one.
- Abuse and molestation. A separate limit, not a sublimit of general liability; whether it is occurrence or claims-made; and whether the organisation and the individual are both covered.
- Workers' compensation information page. Item 3.A must list every state you work in, item 4 must carry the right class codes, and the employers' liability limits should meet what contracts ask. Check that the estimated payroll is close to this year's.
- Hired and non-owned auto. Look for the symbols 8 and 9 or an endorsement by that name on the auto or general liability policy; without it, staff in their own cars are uninsured on company business.
- Cyber declarations. The headline limit matters less than the sublimits: social engineering, funds-transfer fraud, ransomware and business interruption, plus the regulatory coverage and the panel of breach vendors.
- Auto schedule. Every vehicle listed with the right garaging address and use; symbols that include hired and non-owned auto; physical damage with the lender as loss payee where the vehicle is financed.
- Employment practices declarations. Limit and retention, third-party coverage for claims by customers, and whether wage-and-hour claims carry any defence sublimit.
What usually goes wrong for early childhood intervention programs
- Therapists in personal cars all day with no hired and non-owned auto.
- Home visits alone with a child and a parent, and no abuse coverage.
- An abuse limit far below the general liability limit, buried as a sublimit.
- Field trips in staff cars with no hired and non-owned auto.
- A retroactive date that moved when you switched carriers, cutting off earlier work.
- Contracts with indemnity clauses wider than the policy will support.
What underwriters will ask an early intervention program
- Children served and visit volume, therapist credentials and screening, travel, and the state contract
- Licensed capacity, ages served and staff-to-child ratios
- Background-check and two-adult policies, and whether you transport children
- Services, largest engagement size and the contracts you sign
- Claims-made retroactive date and any prior claims or circumstances
- Residential versus commercial split of the work
Have the answers in the wallet before the renewal and the quote request fills itself in; CoverMatch sends one application to every eligible carrier and lines the quotes up against what you have.
Renewal timing
Audits at year end compare payroll, receipts and subcontractor costs with the estimate, so keep the wallet's size figures and the subcontractor certificates current. Start comparing sixty days before expiration, and ask for the limits the next contract will need rather than the ones the last one did.