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THE WOODLAND GROUP
CHILD CARE
Child Care Elite Insurance Program for Child Care Centers
Contact: Tim Hoover
ELIGIBLE GROUPS
| Nursery Schools Licensed Day Care Centers Saturday Programs Approved Community Centers |
Kindergartens Pre & After School Programs Project Head Start Programs |
Exclusive Program Enhancements:
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$1 million/3 million Liability Limit |
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Full Coverage for Allegations of Sexual Abuse, Corporal Punishment, and Professional Teachers |
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"A+" Rated Carrier |
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All lines of coverage |
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Directors and Officers - Includes Employment Practices Liability Insurance |
NEW JERSEY CHILD CARE INSURANCE
ELITE CHILD CARE
Specialized Insurance Program
Introducing a Specialized Insurance Program for Child Care Providers
The Woodland Group has been serving the interests of child care professionals across the state since 1995. The Woodland Group has developed a reputation for excellence. This commitment to excellence is underlined in the exclusive childcare Insurance Program: a property & casualty insurance program designed to meet the needs of child care providers like you.
We recommend you review these coverages and then contact our office at 1-800-253-1521 for further information.
Coverage Features
What Coverages are available to New Jersey Child Care Providers through this special insurance program? Here is a list of possibilities and options:
PROPERTY Woodland's Elite Child Care Program offers a broad property form which covers your real and personal property as well as loss of income if your business is closed due to a loss from a covered peril. We also offer Boiler and Machinery coverage along with Crime, Employee Dishonesty, and Electronic Data Processing.
LIABILITY General Liability limits of up to $3 million aggregate per location are available in this program. We also offer a special Day Care Center Endorsement which responds to allegations of sexual abuse by your staff. This endorsement also extends coverage to include volunteers while acting at your direction.
AUTOMOBILE LIABILITY You transport precious cargo every time the children in your care enter one of your vehicles, which underscores the importance of Automobile coverage to handle a wide spread of risks. Our coverages respond to such diverse needs as Auto Liability, Medical Payments, Personal Injury Protection, Physical Damage, Uninsured Motorist and Hired & Non-Owned Auto Liability.
AUTOMATIC COVERAGE EXTENSIONS Many insurance contracts are very similar in coverages and limits. At The Woodland Group, we constantly look for opportunities to improve the terms and conditions to better serve the specific needs of each type of business we serve. In the case of child care, these coverage extensions include higher limits for Accounts Receivable, Personal Effects, Extra Expense, and Valuable Papers. We even have coverage features for Newly Acquired Property, Glass, Signs and Moneys, Checks and Stamps. The insurance professionals at The Woodland Group will be happy to explain these features in greater detail.
OPTIONAL COVERAGES AVAILABLE Depending on geographical location, businesses must address such hazards as flood and earthquake, two options available through our coverage for child care businesses. We also recommend our customers consider Umbrella Liability coverage, an added way of protecting a small business in these very litigious times.
ACCIDENT PROTECTION FOR DAY CARE CENTERS
& SPECIFIC CHILD CARE GROUPS
THIS AFFORDABLE COVERAGE MAY BE THE MOST IMPORTANT INSURANCE YOU BUY!
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Affordable accident insurance for children and staff members of a listed eligible group. |
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An important benefit program which shows parents you care and makes your facility more attractive. |
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Being able to say you have this program can help soothe parents of an injured child. |
As the manager/owner/director of a covered group, you know the importance of safety in your business. The fact is, however, no matter how careful you are, accidents can happen.
COVERED PERSONS
All registered students/enrollees/participants are covered. At the option of the Policyholder, all teachers/supervisors can be covered as well.
PERSONS ARE COVERED …
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While participating in Policyholder sponsored and supervised activities (on and off premises); |
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While traveling directly to and from activity and home; |
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While traveling with a Policyholder supervised group in connection with such activities. |
DESCRIPTION OF BENEFITS
| ACCIDENT DEATH | $10,000 MAXIMUM BENEFIT |
If injury shall result in the death of the Insured Person within 365 days of the covered accident causing the injury directly and independently of all other causes, the Company will pay the Accidental Death Benefit under the plan you have selected.
| ACCIDENTAL DISMEMBERMENT | $20,000 MAXIMUM BENEFIT |
If the injury to an Insured Person shall result, within 365 days after the date of a covered accident causing an injury directly and independently of all other causes, the Company will then pay the amount specified opposite each loss:
| Loss of two or more members | $20,000 |
| Loss of one member | $10,000 |
| Loss of speech and hearing in both ears | $20,000 |
| Loss of speech or hearing in both ears | $10,000 |
| Loss of hearing in one ear | $5,000 |
"Member" means hand, foot or eye. "Loss" as used above shall mean, with reference to hand or foot, complete severance through or above the wrist or ankle joint; and with reference to sight of an eye, the entire and irrecoverable loss of sight thereof. "Loss" of hearing in an ear means total and irrecoverable loss of the entire ability to hear in that ear. "Loss" of speech means total and irrecoverable loss of the entire ability to speak. In the event an Insured Person suffers more than one Loss resulting form the same accident, only one amount, the largest, shall be paid up to the maximum amount under the plan you have selected.
ACCIDENT MEDICAL & |
$35,000 MAXIMUM BENEFIT |
After satisfaction of any deductible, the Company will pay the Usual and Reasonable charges for Covered Expenses necessary for the treatment of Injury occurring as a result of any one accident. The first expense must be incurred within 26 weeks of the covered accident. For any one accident, covered expenses will be paid up to $35,000 if they are incurred within 2 years of the date of the accident. Dental treatment is limited to $2,500 per tooth for injury to sound natural teeth.
*Medical Expense Coverage may be purchased on a Primary or Excess basis (only one method may be chosen for all Insured).
| Primary: | First Dollar Coverage |
| Excess: | Excess to any other valid and collectible group insurance (not available in all states). |
*"Other valid and collectible group insurance" means any plan providing medical expense benefits for or by reason of dental, physicians, nurse, hospital care, treatment, or confinement, or the performance of surgery and/or anesthesia, which benefits are provided by (1) any type of service plan contracts, any group or blanket insurance, employee benefit association, or (2) any plan or program created or administered by national or state governments, or agencies thereof.
* "Covered Expenses" means the services of a legally qualified physician, hospital, confinement (semi-private room), ambulance service, use of the operating room, anesthetics (including its administration), X-ray examinations or treatments, laboratory tests, and if prescribed by a Physician, drugs, medicines or any other therapeutic services and supplies.
| CATASTROPHE CASH BENEFIT | $50,000 MAXIMUM BENEFIT |
The Insurance Company will pay the applicable percentage of the Catastrophe Cash amount, if, as a result of an Injury, the Insured Person suffers a covered paralysis or coma. The covered paralysis or coma must occur no later than 30 days from the date of the accident causing the Injury and continue for six consecutive months. The covered paralysis or coma must be diagnosed by a physician as permanent and from which recovery is not likely. The benefit which will be paid for each loss is based on the Catastrophe Cash amount selected by the Policyholder. Below is a table of losses and the percentage of the Catastrophe Cash maximum amount payable for the loss.
| TABLE OF LOSSES | % OF THE CATASTROPHE BENEFIT |
| Coma | 100% |
| Paralysis of: | |
| Two or More Limbs (Upper and/or Lower) | 100% |
| One Limb (Upper or Lower) | 50% |
| One or More Other Parts of the Body | Please see NOTE |
NOTE: If the Insured’s Paralysis is a part of the body other than a Limb, the percentage of the Maximum Amount used to determine the benefit payable will be adjusted in proportion to the comparable extent of Paralysis of the listed parts of the body. The final determination of comparable extent will be made through the use of the most current edition of the "Guides to the Evaluation of Permanent Impairment" published by the American Medical Association. (In the event the referenced guide ceases to be published, the Company will select another appropriate measurement of impairment values.)
"Paralysis" means the complete inability to move the affected limbs as the result of neurological damage as diagnosed and regularly treated by a physician.
"Coma" means a profound state of unconsciousness from which the Insured cannot be aroused to consciousness, even by powerful stimulation, as determined by a Physician.
THE COST OF INSURANCE
| Policy Term: 1 year | Policy Minimum Premium: $250.00 |
| PLAN | OPTION | PRIMARY PLAN | EXCESS PLAN |
| #1 | $0 Deductible | $5.30 |
$3.75 |
| #2 | $25 Deductible | $3.75 |
$2.65 |
| #3 | $50 Deductible | $3.40 |
$2.40 |
| #4 | $100 Deductible | $2.80 |
$2.00 |
EXCLUSIONS
While we attempt to make this coverage as broad as possible, the following exclusions apply for loss directly and indirectly as a result of: Suicide or any attempt thereat by the Insured Person, while sane, or self destruction or any attempt thereat by the Insured Person while sane; Infections except pyogenic infections caused wholly by a covered injury; Injury for which the Insured Person is entitled to benefits under any Workers’ Compensation Act or similar legislation; The Insured Person being intoxicated or under the influence of any narcotic unless administered on the advice of a physician; Eyeglasses and eye examinations for eye wear prescription unless a covered injury caused vision impairment; or injury resulting from participation in organized team sports.
IMPORTANT INFORMATION
It is not the intent of this program to provide coverage to:
…Any group organized for the play or practice of competitive team sports. The Company has Sports Accident Insurance available upon request.
…Children age 7 and over while in attendance in regular public or private schools.
This text is only a brief description of coverage. For complete details, please refer to your policy. Upon receipt of the completed enrollment form and payment, we will review the completed enrollment form and payment and provided all is in order, issue a policy and send it to you. We will notify you of any problems, miscalculations, or omissions, which would prevent us from accepting the enrollment form. The proposed Policyholder’s state of residence will determine the identity of the underwriting company. The underwriting companies are, National Union Fire Insurance Company of Pittsburgh, PA in ME, MD, NJ and AIG Life Insurance Company, Wilmington, DE in all other states. AIG Life Insurance Company does not solicit in New York. In the event of any conflict between this brochure and the actual policy the insurance policy will govern in all cases. Policy forms used vary state to state. Certain coverages may not be available in every state. This particular plan is not available in New York.
Q. Why choose to endorse the Elite Child Care Program over other insurance programs available to child care centers?
A. Elite Child Care was designed specifically with the risks of a child care center in mind, and offers important coverage not available elsewhere.
Q. What types of coverage makes Elite Child Care different than other insurance programs available to child care centers?
A. High policy limits for allegations of sexual abuse, sexual molestation, corporal punishment and teacher’s professional liability are just a few of the coverages afforded by the Elite Child Care Program.
Q. How do I obtain a quote in order to compare it to my current insurance program?
A. Call the Woodland Elite Child Care information line at 1-800-253-1521.
Q. Do I have to wait for my current insurance to expire in order to take advantage of the Elite Child Care Program?
A. Not necessarily. The Woodland Group offers a special finance program for policy holders with as little as no money down. If it makes financial sense, your current policy can be canceled and the new policy financed while you wait for the return premium from the canceled policy.
Q. Does The Woodland Group offer other types of insurance?
A. The Woodland Group is a full service agency offering everything from auto and homeowners, to life and health insurance and all types of business insurance. Specific to a child care center’s insurance needs we offer commercial automobile, umbrella, boiler and machinery, student accident, workers’ compensation, Directors and Officers, Employment Practices Liability and Flood insurance.