Childcare Insurance
Childcare and Private School Insurance
With over 30 years of experience, McDonald Insurance Agency knows what it takes to protect your business. We currently insure hundreds of premier childcare and private schools nationwide, with our largest customer presence in Georgia and Texas. We have experience serving both large and small franchisors and their franchisees, as well as other private and independently owned centers and schools. The carriers we represent provide premier nationwide insurance programs designed for the childcare and private school industry and its unique requirements and exposures.
Our friendly and professional staff handles all the details for you, from taking your initial applications to customer service, claims and account management. You receive only the highest degree of service during your experience with us.
After first taking your applications, we earn your business by shopping with major insurance companies who specialize in childcare and private school coverage. We compare the quotes from the carriers and then select the best coverage for the best value and price to suit your individual needs.
We offer free comprehensive reviews of your current policies and depending on certain qualifications, we may be able to get you covered for less premium than you are currently paying!
There are many types of coverages available with our childcare and private school programs. Some of the coverages are highlighted below. This list is not all inclusive.
- Property
- General Liability
- Abuse and Molestation
- Business Automobile
- Child/Student Accident Policies
- Worker’s Compensation
- Umbrella Policy
- Buildings and Structures
- Playgrounds & Spraygrounds
- Builder’s Risk
- Business Personal Property/Contents
- Business Income & Extra Expense
- Signs and Fences
- Electronic Data Equipment
- Drain and Sewer Back Up
- General Liability (up to $3 Million aggregate)
- Abuse & Molestation
- Employee Dishonesty
- Professional Liability
- Umbrella Liability
- Directors & Officers Coverage
- Employment Practices Liability
- Can be one of your single largest catastrophic exposures
- Provides coverage up to limits for claims of sexual abuse or molestation
- Peer-to-peer abuse and molestation is on the rise across the country
- Automobile Liability
- Physical Damage
- Uninsured/Underinsured Motorist
- Medical Payments
- Hired & Non-owned Auto
- Personal Injury Protection
- Minor accidents/incidents to children or students
- Includes death and dental claims to limits
- Helps keep smaller claims from impacting general liability coverage and premiums
- Meets state law requirements for accidents and disease
- Includes both worker’s compensation and employer’s liability for non-covered employees
- Includes lost wages, medical expenses and permanent disfigurement/disability payments
- Based on payroll and job classifications
- Provides limited additional coverage over the stated general liability, business automobile, and worker’s compensation limits
- Highly recommended to increase coverage for large catastrophic claims
- Can be one of your single largest catastrophic exposures
- Provides coverage up to limits for claims of sexual abuse or molestation
- Peer-to-peer abuse and molestation is on the rise across the country
Employee Leasing
Sometimes small business owners would prefer human resource professionals to manage their employees, worker’s compensation, payroll, taxes, hiring and termination, labor law and regulation compliance and other administrative requirements. Wouldn’t it be nice to turn these details over to a professional rather than manage them on your own? Employee leasing is a very popular way to save time and energy and avoid errors in handling employment and labor issues. It could even save you money. McDonald Insurance Agency has exclusive resources available to help. If you want to spend more time focusing on your business and less time worried about employment related issues, you want employee leasing.