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Insurance built for child care centers

From infant rooms to after-school programs, running a center means managing real risk every day. BCG Advisors pairs specialist advisors with AI-driven insight to place broader protection, price it sharper, and stand beside you when it matters most.

Serving early-childhood businesses across New Jersey & beyond

For Child Care Centers

Coverage that fits a center

  • Abuse & Molestation Liability
  • General & Professional Liability
  • Commercial Property & Workers’ Comp
  • Commercial Auto — bus, hired & non-owned
  • Cyber Liability & EPLI
  • Student Accident, Umbrella & Excess
Why Child Care Centers Choose BCG

A specialist partner, not just a policy

  • 1

    We know the early childhood

    We understand licensing pressures, ratios, and the exposures unique to caring for children — and we place coverage that reflects them.

  • 2

    People + AI, together

    Technology makes us faster and sharper; experienced advisors make the calls. You always have a human accountable to you.

  • 3

    Advocates when it counts

    At renewal and at claim time, we go to bat for you — negotiating terms and fighting for fair, fast outcomes.

  • 4

    Two New Jersey offices, one team

    Local, responsive service from Secaucus and Red Bank, with the market reach of a full-service brokerage.

Coverage that keeps up with your center

12+

Coverage lines tailored to child care

2

New Jersey offices near you

3
Lines of business under one roof: commercial, benefits & personal
1

Dedicated advisor accountable to you

  • AI works behind the scenes. A real advisor reviews every recommendation, placement, and claim decision.
The AI Advantage

Smarter tools. Human advisors.
Better outcomes for your organization.

We put artificial intelligence to work behind the scenes — so your advisor spends less time on paperwork and more time protecting your mission. Every recommendation is reviewed by an experienced professional accountable to you.

A fuller picture of your risk

AI organizes your history, exposures, and needs fast, so your story reaches carriers complete and accurate.

Sharper benchmarking

We pressure-test your limits and pricing against comparable accounts, so you’re never over- or under-insured.

Proactive risk prevention

Data models flag emerging exposures early, so we can recommend safeguards before a small issue becomes a claim.

Stronger claims advocacy

When something happens, we move fast and push hard, making sure a settlement reflects what your policy truly owes.

Coverages for Child Care

One program, built around how you actually operate

We tailor a complete insurance program to your center — day care, preschool, Montessori, after-school, and multi-site operators alike.

Abuse & Molestation Liability

Dedicated limits and legal defense for the allegations child care providers fear most — often excluded or under-limited elsewhere.

General Liability

Slips, falls, playground injuries, and third-party bodily injury or property damage on your premises.

Professional Liability (E&O)

Claims arising from supervision, care decisions, and your duty of care to the children you serve.

Commercial Property

Your building, classrooms, playground equipment, and contents — protected against fire, storm, theft, and more.

Workers’ Compensation

Medical costs and lost wages for teachers and staff injured on the job, plus employer liability.

Commercial Auto

Owned, hired, and non-owned vehicles for field trips, transport, and errands — including hired-and-non-owned exposure.

Cyber Liability

Breach response and liability protection for the family, health, and payment data your center stores.

Employment Practices (EPLI)

Defense and coverage for wrongful termination, discrimination, and harassment claims from employees.

Student Accident

Medical expense coverage for enrolled children injured while in your care — often a valued enrollment perk.

Umbrella & Excess

Extra layers of liability protection that sit above your primary limits when a claim runs large.

Business Interruption

Replaces lost income and covers expenses if a covered event forces your center to close temporarily.

Directors & Officers

Protection for the leadership and boards of non-profit and larger center operators against management claims.

Not sure what you need? That’s exactly what a consultation is for — we’ll benchmark your center and build the right program together.

How it Works

From first call to ongoing protection

Step 01

Book a consultation

Tell us about your business — industry, operations, payroll, and current coverage. No obligation, no pressure.

Step 02

Get a tailored program

We benchmark your risk, market your account to the right carriers, and present clear options built around your needs.

Step 03

Ongoing advocacy

We manage renewals, monitor emerging risk, and advocate hard for you whenever a claim arises.

Let’s Talk

Book your insurance consultation

A short conversation is the fastest way to see where you’re protected, and where you aren’t. We’ll review your current coverage and show you what an AI-enhanced brokerage can do across benefits, commercial, and personal lines.

Request your consultation

We’ll get back to you within one business day.

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