AFFORDABLE, RELIABLE, CONVENIENT INSURANCE FOR YOUR FAMILY DAY CARE
Get Insured Today in
3 Easy Steps:
- Click the Link Below to Register as a New User
- Complete Online Application
- Click "Purchase" and Select Your Payment Option
Program Details About
That Works for You!
We cover what homeowner's policies exclude! The typical homeowner's policy provides liability coverage for personal exposures only. Therefore, your in-home child care business is excluded. AFDS provides coverage not only for most of your normal liability exposures, but also for allegations of sexual abuse.
Liability Protection for Your Child Care Business
The standard homeowner's policy (HO-3) excludes liability coverage for family day care activities so if you were to be sued based on your in-home child care business your assets could be at risk! Get the most comprehensive liability coverage for your in-home child care business with us.
Protection Against Abuse and Sexual Abuse Claims*
If a case of molestation or sexual abuse is found to be true as a result of your in-home day care our coverage will step in and cover monetary judgment against your business.
Legal Defense Protection Included
Your coverage will also include legal defense services in the event you are sued by the injured party.
Affordable Premiums with Financing Options
We've tailored our program to fit within your budget. Our flexible payment options as well as affordable premiums allow you to get the most out of your policy. Click on Get a Quote or Apply Now and see how affordable AFDS in-home child care insurance really is!
Variety of Limits Available*
Whether you're caring for 1 child or 18 children we've provided different coverage limits to meet your needs. Click on Get a Quote or Apply Now and see what limits are available to you!
Peace of mind
Have total peace of mind when you sign up with us for your in-home child care business.
The Policy Includes Protection For:
- Bodily Injury and Property Damage resulting from your family childcare operations
- Allegations of sexual abuse involving children in your care up to a maximum of $100,000/$300,000
- Accidents, without regard to fault or liability, to children in your care, both on and off premises. Medical payments coverage ($1,000, $5,000, and $10,000) is automatically provided and is excess over any other collectible insurance
- Personal injury including libel, slander, wrongful eviction (or entry), and alienation of affection of any day care child
Are You Eligible for Coverage?
- You must operate within the legal requirements for your state
- You must care for 1-18 children in your home
- You cannot allow the children in your care to utilize any on-premises swimming facilities (other than an 18 inch plastic wading pool). The swimming facility must be fenced on all four sides with self-locking gate
- You must not own any of the following breeds of dog:
Rottweiler
Pit Bull
Doberman
Mastiff Breeds
Mixed breed where dominant breed is one of any above
Conditions and Exclusions
- This site is intended to be a general description of coverage and is not intended to amend or alter the terms of the policy
- This policy excludes coverage for any swimming exposures except 18 inch plastic wading pools. All other swimming facilities must be fenced with a self-locking gate or other approved device
- This policy excludes coverage for claims arising from motorized equipment and trampolines
- Coverage for liability claims due to animals is excluded
- Animals must be kept separate from children at all times
- This policy contains exclusions and limitations, which impact the coverage provided. Please review the policy carefully
