Hedge / Appetite / Daycares & preschools
● Review case by case / P&C

Daycares & preschools.

Daycares & preschools is reviewed case by case in Hedge's current published wholesale appetite for licensed retail insurance brokers. Licensed daycares and preschools, ages 2+. Infant care referred separately. Published target coverage includes General Liability with a published target of $1M / $2M, Abuse & Molestation with a published target of $1M sub-limit, and Professional Liability with a published target of $1M. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

NAICS   624410
Also known as   child care, early learning
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Coverage

Published target coverage.

These are starting-point lines and limits for a daycares & preschools submission. Hedge confirms current fit, route, and available terms after account review.

General Liability $1M / $2M General Liability wholesale → Abuse & Molestation $1M sub-limit Abuse & Molestation wholesale → Professional Liability $1M Professional Liability wholesale → Commercial Property $2M / loc Commercial Property wholesale →
Class details

Review coverage and submission requirements.

Choose a coverage guide for line-specific details or open the submission guide for the first-packet checklist.

$1M / $2M General Liability for daycares & preschools Coverage context, underwriting facts, forms, and preparation guidance. $1M Miscellaneous E&O for daycares & preschools Coverage context, underwriting facts, forms, and preparation guidance. $2M / loc Commercial Property for daycares & preschools Coverage context, underwriting facts, forms, and preparation guidance.
Submission preparation
What to submit for daycares & preschools
Open class checklist →
Sweet spot

Stronger starting profile.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

01 Licensed centers, ages 2-5
02 Background checks + fingerprinting
03 No transportation
Submission

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

  • 01State license + capacity
  • 02Age ranges accepted
  • 03Background check process
  • 04Staff-to-child ratios
  • 05Transportation services?
Related

Related classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction
FAQ

Common questions.

Does Hedge write daycares & preschools?

Case by case. Daycares & preschools may fit, but the specific file needs the extra detail in the Submission section before Hedge can confirm a route. Licensed daycares and preschools, ages 2+. Infant care referred separately.

What does Hedge need to quote daycares & preschools?

State license + capacity; Age ranges accepted; Background check process; Staff-to-child ratios; plus 1 more standard item. These items support placement review, but an underwriter may request more.

Why is daycares & preschools edge for Hedge instead of a clean yes?

Daycares & preschools can fit, but specific files vary. The Sweet spot section lists the strongest starting profile. Send the file with the Submission items so Hedge can confirm current fit, route, and any additional underwriting requirements.

Does Hedge write daycare?

Daycare is one way brokers describe daycares & preschools, and the same case-by-case guidance applies. The Sweet spot section covers the strongest starting profile. Send the file with the Submission items for placement review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED   2026-08-24    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671