While Openly generally does not underwrite commercial child care risks, in-home daycares are permitted on the residence premises only in Maine and Oregon, provided they meet strict state licensing and insurance requirements.
- Licensing: The daycare must hold a valid Registered or Certified Family Child Care License.
- Proof of Insurance: Verifiable proof of separate commercial insurance must be uploaded to the Openly portal within 30 days of binding.
Note: This does not extend liability or property coverage to the daycare. Agents must ensure the policyholder carries a separate, commercial insurance policy.
State-Specific Portal Upload Instructions
Agents will see a screening question regarding home-based businesses and daycares on the Property Review tab in the portal.
To bind, upload supporting documentation. Document upload dropdown options vary by state where the risk is located. Ensure you choose the correct document type when submitting proof.
- Verify the daycare has a Registered or Certified Family Child Care License.
- In the portal, go to the Documents section.
-
Upload documentation.
Maine: Select Business Liability Insurance from the document type dropdown menu and attach it.
Oregon: Select Child Care License from the document type dropdown menu and attach it.
The above is meant as general information. This information does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to general claims handling steps, average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation.
For further assistance, contact us via our webform or Live Chat.