Day Nursery or Preschool Program

The Bykonen Insurance Agency is a multi-line insurance agency providing personalized insurance coverage for families and businesses. Serving clients in Victorville, Hespira, Apple Valley, Phelan, Pinion Hills, and Wrightwood, California. Our services include Business, Commercial, Health, Auto, and Home Insurance.

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Secondary Markets

Day Nursery or Preschool Program

Here's a program you can count on to grow. It covers licensed, registered, and state regulated day-care centers, in-home day care, before and after school programs, sick-child day care and child-care associated with other organizations (hotels, clubs, YMCA/YWCA, churches, etc.).

General Liability

Primary Limits up to $3,000,000 Occurrence/Aggregate

Included Coverages:

Medical Payments Coverage - $5,000 Limit
Additional Interests
Errors and Omissions - Policy Limits
Sexual/Physical Abuse as follows: Day Care Centers $100,000 per claim/$300,000 aggregate (higher optional limits available); or In-Home Day Care Centers $25,000 per claim/$50,000 aggregate (higher optional limits available)

Deductible:

No Deductible Required

Property

Basic, Broad or Special Form
Replacement Cost or ACV
Building
Contents
Business Income
Equipment Breakdown
Accounts Receivable
Computer Equipment
Outside Signs
Valuable Papers
Food Spoilage

Crime

Inside the Premises - Theft of Money and Securities
Inside the Premises - Robbery or Safe Burglary of Other Property
Outside the Premises