The day care & schools coverage basics.

How do I decide on what to protect with my day care or school?

Protect your business, its assets and your income with a tailor made package unique as your business.

A complete insurance package for your Day Care & Schools will be developed by your SMI insurance specialist. We will visit with you at your facility to personally review risks & operations and make real recommendations for the best package and price for you!

Yoursurance: What you should protect for your day care or school


Coverage for loss or damage to your facility if you own it as a result a claim such as fire, wind, water, theft and other unexpected incidences.

Contents, Stock & Equipment

Protecting your facility against loss or damage to your property such as shelving, furniture computers instructional tools and materials.

Commercial Liability

Coverage to protect your operation against claims made by others for bodily injury and property damage, products, services and advertising that arise from your operations.

Professional Liability

Coverage to protect you and your organization against claims related to your delivery of professional services, and/or advice.

Tenants Legal Liability

Coverage for Tenants liability exposure regarding loss or damage to the space occupied rented or leased.

Abuse Liability

Coverage to assist and defend the organization against allegations of abuse that may arise from work with youth and vulnerable individuals.

Malpractice Liability

Professional liability coverage that responds to negligence from professional services that lead to bodily harm.

Non-Owned Auto

Coverage for you and your employee drivers for liability, and your vehicle for damages, should an accident occur during business use.

Business Vehicles

Coverage for vehicles used or registered to your organization and used in course of your operation for liability, accident benefit collision and physical damage if an accident occurs.

Employers Liability

Coverage for an employer if an employee becomes ill or is injured as a direct result of their employment.


Coverage for financial loss of currency or inventory from employee dishonesty, inside or outside robbery, fraud and forgery.

Cyber Risk

Designed to respond and assist in recovery should you experience a breach of sensitive information where your data has been compromised as a result of that security breach.

Directors & Officers Liability

Coverage for Directors that may be held liable for business operations such as financial losses, wrongful dismissal, employee discrimination or failure to act under a statute such as maintaining correct records.

Loss of Income / Business Interruption

Coverage for replacing lost income as a result of interruption of your regular business operations due to a loss, or claim. Options for extra expense incurred for relocation and advertising.