If You're Looking for
Liability Insurance for your
FCC or GFCC Business
You've Come to the Right Place!

The Family Child Care Association
of New York State, Inc.
and
Marshall & Sterling
Offer a comprehensive and affordable General Liability
and Accident Medical Insurance for members of the FCCANYS.

The program includes:

• Bodily Injury and Property Damage resulting from your home child care business

• Sexual abuse allegations involving children in your care
  Personal Injury claims involving libel, slander, defamation, invasion of privacy, etc...

• Child Care and Teachers professional Liability

• Products Liability insurance for claims involving foods served and products used

• $20,000 "No Fault" Accident Medical Insurance for children in your care and a $10,000 Accidental Death Benefit

For More Information Call:
(518) 943-3900 or 1-800-724-0695

You must be a paid member to retain coverage!

Marshall & Sterling is now offering Home Owners Insurance. Please call for details.

How the FCCANYS Sponsored Business Liability Insurance Program Stack Up!
submitted by Harry Bucciferro, CPCU, ARM, Marshall & Sterling

I recently had the pleasure of spending a few days in Denver at the National Association for Family Child Care conference. I had the chance to meet with Tom Copeland, who I have known for a few years, and who had asked me last year to “proof” his new book “Family Child Care Legal & Insurance Issues.” Tom also conducted a number of workshops at the conference and I was pleased when attendees showed up at our exhibit indicating that Tom had spoken highly of our insurance program in his workshop.

The FCCANYS offers a Group Purchasing Program for its members to help them secure affordable, comprehensive insurance coverage. The cost for this protection averages somewhere around $1 per child per week! Its worth it just for the peace of mind and better night’s sleep. The FCCANYS sponsored program is underwritten by Markel Insurance (Bests rated A Excellent) and provides comprehensive General and Professional Liability, Sexual Misconduct Liability and Accident and Health Insurance in a Group Policy at affordable group rates. This policy includes all the checklist items indicated in Tom Copeland’s article “How to Pick a Business Liability Insurance Policy”.

The only choice providers have to make is whether they want basic Limits of Liability, i.e. $100,000 per occurrence/ $300,000 aggregate or the preferable $1,000,000 per occurrence/$3,000,000 aggregate limits. The “per occurrence” limit is the most the policy will pay for any single claim; the “aggregate” limit is the most it will pay for all claims during the policy year. Please note that even though the FCCANYS program is a Group Policy; each provider receives its own individual limits of liability (i.e. limits are not shared by group members).

If you have questions or concerns about the FCCANYS program please feel free to contact me at 800-981-7475 or hbucciferro@marshallsterling.com or Diana Cassimore, the Program Underwriter at 800-724-0695 or dcassimore@marshallsterling.com.

Please note that we can also provide Homeowners and Tenants Insurance for FCC providers, as well as Automobile, Workers Compensation and Disability Insurance.

FCCANYS, Inc. is a member of 

THE UNITED STATES FEDERATION OF SMALL BUSINESS, INC. 

Your membership in FCCANYS provides you with local and regional resources.

PLUS GROUP HEALTH INSURANCE

Available to businesses of ALL sizes including a sole-proprietor business.

For more information call USFSB @ 1-800-637-3331 

USFSB has a list of current members of FCCANYS.