A COMPLETE INSURANCE PROGRAM DESIGNED FOR NEW YORK 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 New York 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 occurrence

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

EXCLUSIONS

This Policy does not cover any loss resulting in whole or part from, or contributed to by any of the following even if the immediate cause of the loss is an accidental bodily injury, unless otherwise covered under this policy by Additional Benefits:

• Suicide, self-destruction, attempted self-destruction or intentional self-inflicted injury while sane or insane. This exclusion only applies to the ACCIDENT MEDICAL AND DENTAL EXPENSE BENEFIT.
• War or any act of war, declared or undeclared. This exclusion does not apply to terrorism.
• Sickness, disease or any bacterial infection. This does not exclude bacterial infection that results from an Injury; or involuntary ingestion or inhalation of poison, drugs, narcotics, gas or fumes, or other deleterious substances; or accidental food poisoning.
• Voluntarily taking any narcotic, unless the narcotic is prescribed by, and taken according to the directions of, a Physician.
• Eyeglasses, contact lenses, hearing aids.

• 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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