A COMPLETE INSURANCE PROGRAM DESIGNED FOR MINNESOTA PROVIDERS

• Admitted Carriers
• No exclusions for pets or pools
• Provider covered*
• Provider’s own children covered*
• Substitutes and helpers covered*
• Co-licensee covered*

• Landlord named as additional insured*
• Abuse and molestation coverage*
• Administrative hearings covered*
• Non-owned auto coverage (optional)
• Payment plan available

Coverage Details for Minnesota Family Child Care Application

Accidental Death & Dismemberment 
Pays a lump sum benefit for accidental loss of life, limbs, or sight occurring within one year of a covered accident. Death benefit is a principal sum of $2,000 per insured person. Dismemberment benefit is a graduated payment schedule. Thumb and index finger of same hand $2,500; any one limb $5,000. Two limbs, maximum limit payable $10,000. Only one amount, the largest you are entitled to, is paid for all losses resulting from one accident.

Accidental Medical Expense 
Pays incurred expenses for necessary medical or surgical treatment, services, or supplies if the first expense is incurred within one year of the date of a covered accident. For any one accident, covered usual and customary expenses will be paid up to $10,000 if they are incurred within one year of the date of accident. However, the maximum dental expense limit for each insured is $1,000.

Excess Coverage Provision 
This Excess Coverage provision applies to providers and substitutes only. The amount otherwise payable under Accidental Medical Expense benefit will be reduced by the total amount of Health Care Plan benefits or by any other valid and collectible medical insurance the provider may have.

Deductible - $25.00 per occurrenceAccident

Insurance benefits are payable for injuries that result directly and independently of all other causes, from a covered accident, while coverage is in effect.

Not Covered: 

• Sickness, disease, or bacterial infection not caused by an accidental cut, wound, or accidental food poisoning
• Cost of medical service given by persons employed or retained by policy holder or who is the covered person or a member of their family
• Declared or undeclared war or act of war
• Repair, replacement, or examination or fitting of eyeglasses or contact lenses, hearing aids, braces and appliances
• Any travel except travel arranged or provided by the provider
• Accidents which occur while the insured is under the influence of alcohol or any narcotic that’s not prescribed by a doctor
• Any intentionally self-inflicted injuries, suicide or any attempt thereat
• Motor vehicle accidents where the operator does not possess a valid license

• Bodily injury and property damage resulting from your child care operation
• Personal injury including libel, slander, wrongful eviction (or entry), and malicious prosecution
• Incidental malpractice liability covering claims for failure to provide needed medical care, diet, or special needs
• Abuse and Molestation coverage $100,000 per occurrence, $100,000 aggregate limit
• Coverage for Animal Injury $25,000 per occurrence, $50,000 aggregate limit
• Field trips
• Landlord as additional insured
• No deductible

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