Common questions about Daycare centers
Answering the most frequently asked questions about Daycare centers.
Does licensing status affect coverage?Gravity Certs2026-08-17T22:56:38-04:00
Yes. Licensed capacity and staff ratios are underwriting factors and sometimes policy conditions.
Are staff injuries frequent?Gravity Certs2026-08-17T22:56:38-04:00
Yes. Lifting, illness exposure and playground injuries drive workers’ compensation costs in this class.
Are we covered for transportation?Gravity Certs2026-08-17T22:56:37-04:00
Only if disclosed. Vans and buses need commercial auto, and field trips need off-site coverage.
What’s the most common daycare claim?Gravity Certs2026-08-17T22:56:36-04:00
Playground injury, by frequency. Abuse allegations are far rarer but carry much higher severity.
Is abuse and molestation coverage included?Gravity Certs2026-08-17T22:56:36-04:00
Usually only by endorsement and often sublimited. This should be your first coverage question.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
-
I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
-
Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
Our trusted partners
We work with the nation’s largest, most reputable insurance companies.
