Child Care
Workers Compensation Insurance
The greatest programs for childcare facilities and in-home child care have been created by us.
Workers Comp Coverage for Child Care Businesses
For more than 15 years, we have assisted company owners in locating simple and reasonably priced insurance. Our professionals are skilled at negotiating the best coverage prices and are aware of the underwriting specifications set forth by the insurance providers. For this reason, we’ve created daycare plans that will enable you to receive the greatest deals and most accommodating payment choices.
We collaborate with top insurance providers who provide coverage for daycare facilities.
Pay As You Go
Boost cash flow and lower the chance of large audit costs.
Comparison Pricing
Obtain estimates from several insurance providers to guarantee the best deals.
Claims Management
To expedite the settlement of claims, our carriers employ skilled claim managers.
Our Top Day Care Insurance Companies
Markel FirstComp
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UBIC Insurance
PIE Insurance
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Codes for Workers Compensation Associated with Child Care
Classification codes are used to organize employees according to their work functions and job requirements. Currently, insurance companies and brokers can use roughly 800 class codes provided by the National Council on Compensation Insurance (NCCI) to classify personnel for rating reasons. To start pricing a policy, insurance firms establish a base manual rate for each class code.
Sorting employees correctly is a crucial step in obtaining quotes. Small firms may lose thousands of dollars due to incorrectly classified workers. After an annual audit, you might find that you are overpaying for coverage or that your debt has increased.
Class Code 8869 | Child Care Insurance
The main activity of daycare centers is to provide care for young children who are not yet in school. A caregiver’s house or a business building may host services. For a predetermined period of time, a child care provider is in charge of a kid’s care, custody, and control. The childcare provider may choose to transport the children or drop them off at the institution. Along with child care, meals, naps, and recreational activities are typical. Various educational teaching is also provided by certain providers, such Montessori schools.
Drivers should be rated individually under class code 7380—Drivers and Chauffeurs—if a child care facility uses its own cars and drivers.
Class code 8869 also applies to child day camps, provided that there are no overnight accommodations offered. Camp Operations, class 9015, covers most overnight leisure programs, including adventure camps for kids and vacation camps.
Services for senior care and adult daycare should be rated differently under class codes 8868 and 9101-School Employees.
Alternative State Class Codes for Day Care Facilities:
States occasionally stray from the NCCI-recommended industrial class code. For some business segments, they might demand the use of a state-specific class code in place of the NCCI code.
| Class Code | State |
|---|---|
| 9059 | Day Care Services | California |
| 891 | Child Day Care | Delaware / Pennsylvania |
| 8868 | Child Care Center | Michigan / New Jersey / New York |
Related: Day care, learning center, day nursery, day care center, day care center, and in-home day care.
Workers Compensation is a national Agency, licensed throughout the United States.
Get the Best Child Care Insurance Coverage
Because their agent does not have access to the most affordable insurance carriers, many tiny daycare centers are overpaying for insurance coverage. Installment agreements based on predicted payroll that don’t change when payroll varies are used by other business owners. For every distinct state and kind of organization, we assist our clients in locating the most affordable insurance rates. Your company’s cash flow will be enhanced by our Pay As You Go payment options. We assist new entrepreneurs and businesses with higher EMR ratings. Since 2005, we have been writing child care insurance.
Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp – $0 Deposit
Guaranteed Cost and Deductible Options
National Nursing Home Expertise
More Markets for More Solutions . We shop renewals too
Commercial Package Insurance Options
What Does Workers Comp Cover?
Workers comp coverage protects employees when injured. It makes good financial sense for both parties.
Accidents and injuries occur. These mishaps and claims are covered by a no-fault scheme called workers compensation insurance. In most states, it’s mandated by law.
- Lost income for workers who can't perform job duties
- Medical expenses for injury or illness on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
Workers compensation insurance may not always shield employers or employees from lawsuits brought on by workplace accidents.
- Injuries resulting from a violation of the law
- Accidents resulting from using drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
Lower Your Day Care Insurance Costs
For small enterprises, the cost of business insurance has been rising. The primary drivers of the cost increase in coverage have been workers’ compensation and general liability insurance. In order to offer our clients business insurance options that are more reasonably priced, we have teamed with our insurance providers. Find out more about our alternatives for daycare centers’ package insurance:
- Employee Benefits and Employer Liability
- Insurance for Day Care Liability
- Both Personal and Commercial Property
- Insurance for Day Care Liability
Not every class code or every line of insurance coverage will be offered in every state. For information on our general liability and workers compensation insurance programs, get in touch with one of our workers compensation specialists.
How Much Does Day Care Insurance Cost?
Under the child care class code, our clients typically pay about $1.25 for workers compensation for every $100 of payroll. For home daycare insurance, the average yearly cost of a general liability insurance coverage is $475.00, while for commercial daycare insurance, it is $650.00.
Workers Comp Costs
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The type facility can modify rates
- Premium discounts and policy credits may apply
General Liability Costs
- GL rates are based on sales (rated per $1000)
- Gross revenue may affect pricing
- The type of skills matters to underwriters
- Prior clams and years in business affect pricing
- SIC code- 8351; ISO 41715
How To Get Workers Comp
How Do I Get Started?
Here's what we need from you
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
We go find for your best price
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Real Agents, Fast Insurance Quotes
Compared to other insurance companies or organizations offering online workers compensation estimates, Workers Compensation is unique. We are authorities on ownership regulations, class codes, audits, and state legislation. The best workers’ compensation insurance quotes from reputable carriers are obtained through our quote procedure. Check it out for yourself. Give our professionals a call at or begin your online workers’ compensation quote request right now. You’ll be happy that you did.
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