Indiana ChildCare AssociationIndiana ChildCare Association

Daycare, Home & Highway Program:

Janet Crabtree and Amy Musselman

Health Insurance:Nancy Matthews

Meet Our Staff:

The Company We Use

• AM Best – A+ Superior• Wards Top 50 Insurance Companies• www.westbendmutual.com

• Available Coverage – Auto– General Liability– Workers’ Compensation– Crime– Property– Inland Marine– Umbrella– Home, Auto & Personal

Umbrella

Childcare Insurance

Childcare Facilities• Eligible Risks

– Licensed– Certified– Registered– Group or Family– Indiana Child Care Association

Members

Childcare Services• Approved Programs/Services

– Drop-In– Head Start– Before and After School Care– Pre-Schools– 24-hour Childcare Centers– In-home Family Childcare– Commercial Group Centers

• Liability Coverage– General Liability

•$1,000,000 per occurrence•$3,000,000 general aggregate

– Employment Practices Liability– Not-for-profit D&O Liability– $10,000 Medical Payments– Umbrellas up to $5,000,000

Childcare

• Coverages Specific to Childcare– Professional Liability– Abuse and Molestation– Abduction– Professional License Review– Water Activities - option– Dog/Cat Liability - option

Broadest Protection

Critical Property Exposures

• Business Income & Extra Expense– 12 Months Actual Loss Sustained– Loss of Profits– Continuing Payroll expenses

• Systems Breakdown• Personal Property Coverage

Home & Home & HighwayHighwayHome & Home & HighwayHighway

Home & Highway• If daycare is insured, we can write

the homes & autos subject to normal underwriting considerations.

• Package program offering homeowners and auto coverage

• Personal umbrellas up to $5,000,000

Broad Protection

• Blanket Limits on Home• Guaranteed Replacement Cost• Replacement Cost on Contents• Auto Med Pay - $5,000• Rental Car Coverage $30 day

Identity Theft• $15,000 coverage• Attorney Fees• Lost Wages for time spent• Long distance bills, notary, and

certified mail expenses• Loan reapplication fees

Travel Net

• 24 Hour Roadside Emergency Service up to $150 per incident

• Emergency Travel Expenses - $250• Does not count against your Premium Value Award

Premium Value Award

• 5% of your earned Home & Highway Premium is returned to you each year you do not present a claim.

• That money is returned to the policyholder and can be used any way they want!

Health Health InsuranceInsurance

Health Health InsuranceInsurance

Health Care• Individual Medical• Group Medical• Health Savings

Accts• Life Insurance• Dental

• Long Term Care• Annuities• Trip Cancellation• Vision• Disability

Insurance

ICA BenefitsICA BenefitsICA BenefitsICA Benefits

ICA and 1st Source You are a small business… as a

member of the ICA, you are now part of a larger group that has more power to negotiate discounts and get things done. The ICA is there fighting for you. 1st Source is there to help protect you.

SummarySummarySummarySummary

In Summary…• Home , Auto and Daycare coverage

without the fear of being cancelled just because you have a day care in your home @ competitive rates!.

• The best available protection for your ChildCare Business as well as your Personal Home & Auto

In Summary• Professional Agents which know

and understand Your business.• Health Insurance Products

Available• More benefits coming in the future!• Join the ICA – It Pays!

Childcare Program

Questions??Call or email 1st

Source574-271-5200 or1-800-510-4102 Crabtreej@1stsource.comMusselmana@1stsource.comMatthewsn@1stsource.com

Want to get a quote?• You can download the questionnaires

from www.indianachildcare.com• You can also download the home and

auto supplements needed to quote home & auto

• Fax or mail them to 1st Source Insurance

• OR just give us a call! 1-800-510-4102

Thank You!