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Insuring with ACC

ACC affords you the ability to participate in our Insurance Program, providing valuable protection for yourself as well as your business.

The Insurance Program coverage includes the following:

Liability

Coverage is based on acts & damage arising solely from your licensed child care operation.

  • Personal Injury
  • Incidental Malpractice
  • Abuse & Molestation
  • Animal Injury
  • Field Trips
  • Administrative Hearing Fees & Costs
  • Optional: Non-Owned Automobile
Accidental Medical and Dental Expense

Pays benefits for Covered Expenses that result directly, and from no other cause, from a Covered Accident.

Accident Medical Expense Benefits are only payable:

  1. for Usual and Customary Charges incurred after the Deductible has been met;
  2. for those Medically Necessary Covered Expenses incurred by or on behalf of the Covered Person;
  3. for Covered Expenses incurred within 365 days after the date of the Covered Accident.
No benefits will be paid for any expenses incurred that are in excess of Usual and Customary Charges.
Benefit maximum for all Covered Accident Medical Expenses is $10,000.
Benefit maximum for all dental expenses are limited to $1,000.

Accidental Death & Dismemberment

Pays a lump sum benefit for accidental loss of life, limbs or sight occurring within 365 days of a Covered Accident.

  • Death Benefit
  • Dismemberment Benefit
  • Graduated Payment Schedules

If multiple losses occur, only one Benefit, the largest, will be paid for all losses due to the same Covered Accident.
Excess Coverage Provision

This applies to Provider and substitutes for the Accident and Dental coverage ONLY.

Benefits are payable for Covered Expenses, subject to any applicable Deductible and Benefit Period that are in excess of expenses payable by any other coverage. The first expense must be incurred within 365 days from the date of the Covered Accident.