The Early Years Child Care Program is designed to address the unique needs of child care operations, providing comprehensive coverage, competitive pricing and robust claims support. With an expert team handling your insurance needs, you can get back to focusing on what you do best — caring for children and fostering their development. Our commitment is to ensure your facility is protected, allowing you to create a safe and nurturing environment where children can thrive and grow.

Coverage highlights

  • General liability
  • Abuse liability
  • Professional services liability
  • Child abduction liability
  • Child care centre property insurance
  • Business interruption
  • Directors and officers (D&O) liability
  • Medical payments
  • Legal expense coverage
  • Identity theft expenses
  • Traumatic loss and workplace violence counselling expenses
  • Crisis management emergency responses expenses
  • Cyber and privacy liability insurance

Who is the Early Years program for?

The Early Years program is crafted specifically for child care facilities in Canada to provide a comprehensive and specialized insurance solution. Recognizing that every centre is different, Gallagher has developed the broadest coverage in the industry, which can be tailored to meet the unique operational risks and needs of each facility. This program is ideal for child care centre owners and operators who are committed to providing a safe, supportive and educational environment for children while ensuring their business is well protected.

What does the program provide?

The Early Years program delivers comprehensive coverage and risk management solutions tailored to protect child care facilities against diverse risks. A standout feature of the Gallagher program is additional risk management services — including complimentary consultancy and legal assistance — to help maintain a safe environment.

Our claims advocacy ensures a customer-focused approach, handling claims efficiently. We offer competitive pricing and premium financing options to support your financial flexibility, allowing you to spread insurance costs over time.

Gallagher works with a child care insurance advisory committee made up of facility owners and insurance industry professionals to ensure the program is competitively priced and offers superior claims service. This committee advises on best practices and continually reviews program performance.

Partner with Gallagher for expert guidance and cost-effective insurance solutions that protect your business and provide peace of mind. Contact us today to discover how our tailored coverage can support your child care centre's success.

This program is not available in Quebec.