Insurance- Do I Have Enough

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  • jenboo
    Daycare.com Member
    • Aug 2013
    • 3180

    Insurance- Do I Have Enough

    Hi!
    I am getting a new insurance policy and wanted to check with you guys first to get your opinions.
    FYI, I only take kids under 24 months, not sure if that makes a difference.

    Here is what the policy is for:
    General Aggregate Limit (OtherThan Products-Completed Ops) $2,000,000

    Products-Completed Ops Aggregate Limit Included
    Personal and AdvertisingInjury Limit $1,000,000

    Each Occurrence Limit $1,000,000

    Damage To Premises Rented To You $100,000

    MedicalExpense Limit $5,000, Any One Person

    Each Professional Incident Limit (ifapplicable) $1,000,000

    Deductible N/A

    Sexual Molestation Insurance
    Each Claim Limit $ : 1,000,000
    Coverage E Aggregate Limit $ : 2,000,000


    Can anyone decipher this and let me know if it is good coverage? Thanks!
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