NAHGA can provide coverage for injuries of children and staff members occurring at any daycare/childcare facility. Benefits may be either on a primary or secondary basis. Coverage includes AD&D and Accident Medical Expenses. Sponsoring organizations can fulfill their duty of care obligation to the families and help offset general liability rate increases by providing a low cost accident policy.
Claim Scenario: One of the children accidentally cuts herself with scissors while doing an arts and crafts project.