Daycares and Schools
Safety and security are top priorities for daycares and schools. Keeping facilities safe and children protected requires sound policies and procedures. Frank Cowan Company will be there to help, should something happen. Educational organizations of all types, from preschools to elementary to universities and colleges — have a variety of specialized needs.
Our experience working with public entities has given us the expertise to help you identify exposures and protect your school or daycare from risks. Whether you operate a private school, a trade school, a religious school or facility that teaches English as a second language, we will write a policy that helps to protect your organization against everything from workplace disruption to child abduction. In the event of a claim, or if you need advice, our in-house claims department is ready to assist you with any questions or concerns.
Helping Daycares and Schools manage their risks
Our suite of risk management services was developed to help you prevent claims before they occur. From educational seminars for your staff to site inspections or reviews of operational policies and procedures, our risk management services help you improve your overall safety awareness. You can learn more about industry best practices through our Risk Management Centre of Excellence, which puts a variety of specialized materials at your disposal. It covers topics as diverse as playground safety, abuse prevention and the application of ‘Sabrina’s Law’, which protects students with allergies.
What we offer
Our coverage is comprehensive and wide-ranging. With no contract requirements or volume commitments for brokers, our program for schools includes:
- Liability limits up to $50 million with no general or annual aggregate limit up to $15 million
- Malpractice Liability up to $15 million
- Abuse coverage up to $5 million for daycares and $15 million for schools
- Child abduction liability insurance
- Broad property coverage with no co-insurance clauses
- Disappearing deductible for property
- Workplace disruption insurance
- Crisis Management
- Computer violation insurance
- Identity theft insurance
- Legal expense insurance, including Criminal Code
- Automobile in AB, NB, NS and ON
- Facility User Solution
We are continually developing products and services to allow us to continue to lead the way with innovative offerings that respond to trends in the marketplace. That is why we now offer:
- Cyber Risk Insurance – Broad first and third party coverage
- Enhanced Legal Expense Coverage – Broader basic and optional coverage with unlimited access to a toll-free legal advice hotline.
To learn more about our comprehensive Daycare and Schools Program, please contact: