We have put together information to help you navigate the process of purchasing insurance.
A few notes to help you:
1. We are unable to write policies on foreign military bases or in these 8 states: Idaho, Iowa, Louisiana, Mississippi, Nebraska, New Hampshire, New Jersey, or West Virginia. We can write in Washington DC.
2. For new providers, this is the website link: www.assurechildcare.com See “5 Easy Steps” that will help you purchase your new insurance. You will want to select “Military-Wilcock Insurance Group” after you select your state, as it is set aside for military providers.
3. Policies must be purchased at least one day in advance of the needed effective date. They can be purchased up to 60 days in advance. If there is an underwriting issue, someone will contact the applicant within 24-48 hours for an explanation. Policies cannot be backdated. Directors do not receive a copy of the certificate. It is the responsibility of the insured to forward the certificate to the director.
4. This is an annual policy. The insured may pay in full for the year. Or they can make 1 down payment followed by 7 monthly payments that will start 30 days after the purchase date.
5. The premium will vary by state as each state has different insurance rates set.
6. The liability limit will need to be selected by the insured. Each branch of the military requires a different limit. You will need to know what that liability limit requirement is and purchase accordingly. The two main limits that we know are required are $500,000/ $1,000,000 or $1,000,000/$3,000,000. If your branch of the military requires a $1,000,000 liability limit, your insured will want to select the $1,000,000/$3,000,000 limit. Please check with your director if you are unsure of the liability limits that are required.
7. Membership is required as a part of the policy. These are some of the benefits:
- Provides extra coverage (accidental death and dismemberment).
- Keeps the actual premium low.
- Gives to community partner associations if you belong to them. (The associations are listed on the application page of the new policy).
*Just a side note that NONE of the membership fees comes to Wilcock or Hays it all goes to the carrier- Assure/Philadelphia Insurance.
8. After the purchase of the new policy, 3 emails will be sent to the insured: 1) a link to make payment and to set up the membership portal 2) a Certificate of Insurance 3) a payment plan reminder.
9. To add an additional insured, you must complete the application and once approved and payment is made, you can go back into the portal and add the additional insured. There is no added cost to add an additional insured.
10. You may cancel the policy within the policy period, and you will receive a refund for payments made for the canceled portion of the policy. A signed cancellation form will need to be submitted. Please email us at: wilcockinsurance@gmail.com for the cancellation form and include the cancellation date. We will also need to know your forwarding address for any refunds. Cancellations cannot be backdated. Refunds can take several weeks to generate.
11. Assure will send you a renewal link when it is time to renew your existing policy. There will be at least two reminders sent regarding renewal.
These are some questions your providers will want to know the answer to when they are applying for the new policy:
- Liability limits- each branch of the military requires certain liability limits.
- Daycare license # -if you are a new provider, you may not have this yet
- Daycare license Capacity
- Day Care license effective and expiration date
Military Childcare Application: