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Insuring with ACC

Membership with ACC affords you the ability to participate in our Insurance Program, providing valuable protection for yourself as well as your business. The ACC Insurance Program coverage includes the following levels of coverage:


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 Death & Dismemberment

Pays a lump sum benefit for accidental loss of life, limbs or sight occurring within 1 year of a covered accident.

  • Death Benefit
  • Dismemberment Benefit
  • Graduated Payment Schedules

Only one amount, the single largest amount you are entitled to as benefit, will be paid for each claim.

Excess Coverage Provision

This applies to providers and substitutes only. NO Deductible!

  • Payable for injuries that result directly & independently of all other causes, from a covered accident, while coverage is in effect.

The amount paid is reduced by the amount paid by other carriers for the same accident.

Accidental Medical Expense

Pays incurred expenses for medical or surgical treatment, services, or supplies if the first expense is incurred within 1 year of the date of a covered accident.

Covered usual & customary expenses are paid to a maximum of $10,000 per accident if charges are incurred within one year of the date of accident. Dental expenses are limited to $1,000.