Introducing Liability Insurance for SEIU Local 99 Child Care Providers

Let’s protect our businesses!

When you care for children for a fee in your home, you face exposures to liability. Protect your and your family’s assets with liability insurance specifically designed for child care providers.

I used to think my child care was already protected by my homeowner’s insurance. But most of these policies have specific language stating that child care services provided in our homes are not covered under the policy. So, at great expense, I got liability insurance. Now, through my union, I can get coverage at a fraction of the cost! Tonia McMillian Child Care Provider, Bellflower Treasurer, SEIU Local 99

Introducing PMI Liability Insurance offered through SEIU Local 99.

Program Managers, Inc., a family-owned insurance company specializing in national insurance programs, has partnered with SEIU to offer liability insurance created especially for SEIU members. There is no other child care policy like this in the insurance marketplace!

We worked closely with PMI to provide the best possible coverage for members at competitive rates.

Protect your home and business against property damage, professional liability, false accusations and medical expenses.
Download your application today!

For further details, contact PMI at (800) 473-0111. They will be able to provide you with an immediate quote for your insurance over the phone and assist you as you complete your application.

Here’s why liability insurance is so important…

If you are sued because a child is injured or becomes sick and the claim is covered by the policy, the insurance company will pay your legal defense costs. If you are found liable, it will pay the amount specified by the judgment up to the policy limit. Lawsuits are unpleasant as well expensive. The best protection is the proper type of insurance, the kind of insurance that is specifically designed for family child care providers and provides coverage for all the exposures present in a child care home.

• What if a child in your care needs a stitch or two, do you have coverage?
• What if a parent slips and falls picking up their child from your child care, do you have coverage?
• What if you are accused of abuse, do you have coverage?
• What if you are taking an afternoon walk with the children and someone gets hurt, do you have coverage?

Affidavits and waivers don’t protect us! These types of documents only mean the parent/guardian knows you do not have insurance and that they must collect any money awarded from a lawsuit from you. You will have to pay your own legal fees.

Policy Features

A comprehensive General Liability policy covering your legal liability for accidents caused by you, your helpers or substitutes for:

• Premises Liability—provides Bodily Injury to child care children in your home, or while on field trips.
• Property Damage—provides coverage to members of the public for damage to their property.
• Personal Injury—provides coverage for suits alleging false arrest, libel, slander, and invasion of privacy.
• Professional Liability—provides coverage for occurrences resulting in bodily injury due to the rendering or failure to provide proper professional services.
• Product Liability—provides coverage for bodily injury to children, or sickness alleged to have been caused by meals served in your home.
• Medical Expense—we will provide up to $5,000 per person, or $25,000 per occurrence for medical bills arising out of accidents to children of others, in your care.
• False Allegations of Sexual Abuse or Molestation—coverage up to $100,000 per person or $300,000 per occurrence.

And exclusively for SEIU Members:

•  Reimbursement Coverage Child Care Licensure Suspension and Suspension Due to Coverage Property Loss—provides reimbursement for loss of business income due to a covered peril under your homeowners policy or a suspension of your license due to the discovery of an infectious disease
• Criminal Defense Cost Endorsement—provides reimbursement for your expenses if you are accused and ultimately acquitted of all criminal charges or charges are withdrawn.

Losses that result from the following exposures will not be covered:

•  Trampolines, springboards or similar rebounding devices.
•  Swimming pools that are greater than 18” in depth.
•  Physical contact directly or indirectly with any animal that is listed below:

1. Dogs or hybrids of the following types: American Staffordshire Terrier, American Pit Bull Terrier or Staffordshire Bull Terriers, all commonly known at Pit Bulls; Doberman Pinschers; Rotweiller; Chows; Bull Mastiffs; German Shepherds; Great Dane; Presa Canario; Dogo Argentino; Coyote Hybrid; Akita; Alaskan Malamute; Wolf Hybrid; any mixed dog which includes one or more of the breeds listed above; any trained attack or guard dog; any fighting dog or dog bred for fighting; any non-licensed dog.
2. Any mixed breed or wild animal or reptile, native or exotic, including but not limited to wolves, coyotes, foxes, alligators, iguanas, turtles and snakes.
3. Any saddle or riding animals, including but not limited to horses, ponies, donkeys, mules camels, elephants, ostriches and llamas.
4. Any animal or farm animal not otherwise excluded above that is known to be, or that should have reasonably been expected to be harmful, dangerous or injurious to others. This includes any animal with a prior history of causing “bodily injury.”

Please note: your child care must be licensed; coverage may not be provided if your child care license is not in force at the time of an incident. This article is intended to be a brief description of coverage. Please read the policy or call the PMI office at (800) 473-0111 for the complete details on coverage, conditions and exclusions.

About Program Managers (PMI)

PMI is a family owned independent insurance organization, dedicated to protecting its clients with financially sound, affordable insurance coverage, since 1995. PMI specializes in national insurance programs. PMI takes pride in working closely with its business partners to build long-term relationships and develop the best possible insurance product for its customers. The staff at PMI has over 40 years of combined insurance experience. Its employees are not commissioned salespeople they are customer-oriented service representatives who take pride in providing the kind of insurance protection that is right for the customer in a helpful and friendly manner.

To Purchase coverage:

1. Complete the application. Choose your own limit of coverage and any additional coverage you would like. The rates are on the application. Your premium is based on the average number of children in your care.
2. Be sure to sign the application and terrorism form. Then simply mail your application and your check. Once PMI receives your form and check, coverage can begin the next day. PMI also accepts Visa/Mastercard or a monthly payment plan, please call if you would like the payment plan and we will provide you with a payment agreement.