BCG Advisors is an industry leader in providing insurance programs for Child Care Center’s . No matter the size or location, we have the necessary programs and coverages to properly insure against all risks at an extremely competitive price.
BCG Advisors has specialized in insuring Child Care Center’s for more than ten years. Currently, we insure more than TWO HUNDRED AND FIFTY Child Care Centers in the NY/NJ/PA tri state area. Our team of licensed insurance brokers has a combined 25 years of insurance experience.
BCG Advisors’ uniquely designed programs are tailor made to fulfill a wide range of special needs for Child Care Centers. We have longstanding relationships with all of the leading insurance carriers that provide insurance to child care centers.
We know your business and we understand your risks. We provide you with peace of mind knowing that your business is properly insured in case the unexpected does happen. We enable you to concentrate on your business and your passion, not on protecting it. We realize children are your business. Insurance is ours. BCG Advisors takes your partnership seriously for your business safety.
How BCG Advisors can Reduce your Premiums
Multiple Insurance Carriers leads to Multiple Quotes: All insurance companies are not created equal in terms of providing the lowest price for the insurance needed. BCG Advisors has longstanding relationships with the ALL of the leading insurance carriers who underwrite Child Care Center’s . We aggressively shop the market of more than eight insurance companies to find you the best pricing for your needed coverage.
Experience: The insurance industry pricing works in cycles. For example, one year an insurance company may have the lowest pricing in the marketplace only to raise premiums dramatically the next year. Our experience enables us to know which carrier, at any given time, is providing the most aggressive pricing in the marketplace. As experts in child care centers, we make sure our clients are always ahead of the curve.
Eliminate Excess Insurance: BCG Advisors identifies areas where you may be over insured or have multiply policies covering the same risk. Our extensive experience insuring Child Care Center’s provides us with the knowledge of all policies in the market and exactly what they cover. We will streamline your coverages such that you are properly covered without overlapping coverage.
Loss Control Specifically for Child Care Center’s: BCG Advisors provides our Child Care Center’s with strategies and information on how to minimize risk and minimize claims. Generally, the less claims you have the lower your premiums. CLICK HERE TO SIGN UP FOR OUR RISK MANAGEMENT NEWSLETTER
Cannot afford to pay the entire premium at one time?
BCG Advisors offers a specialized financing terms for Child Care Centers who need cash flow for ongoing operational expenses . We will coordinate the financing of the policies and structure the payments to meet your financial needs. Additionally, several insurance companies also offer no interest payment plans.
Coverages… Designed for Child Care Centers
General Liability coverage that protects you if someone claims you caused their injury, and pays to defend you if you are sued.
Comprehensive General Liability–Limits to $3,000,000
- Premises Liability
- Personal Injury Liability
- Abuse and Molestation coverage options
- Employee Benefits Liability
Property coverage that covers you whether you rent or own your center
- Special causes of loss coverage on building, contents, business income and extra expense
- No separate form needed for computer property, this is included under the personal property limit
- Replacement cost
- Owned auto
- Hired and non-owned auto
- Rental Reimbursement
Crime and Fidelity
- Money and Securities
- Money Orders and Counterfeit Paper Currency
- Employee Dishonesty
- Limits up to $10,000,000
- Separate limits of $1,000,000 / $3,000,0000 available
Directors and Officers Liability
- Defense costs in addition to the Limit of Liability
- Most favorable venue wording for punitive, multiple or exemplary damages
- Order of payments language with priority placed on indemnifying Individual Insured first