Child Care Insurance Program

Child Care Provider Protection

You can always expect the unexpected when it comes to caring for children. That’s why a specialized insurance program for child care providers has been developed by Coastal Community Insurance Services (2007) Ltd. and the PacificCARE Family Enrichment Society (PacificCARE).  Whether you run a small, in-home daycare or a larger group facility, we are pleased to offer a Commercial General Liability program, with the option of added protection through content insurance coverage.

It is also important to note that all daycares must have a PacificCARE membership number in order to access our Child Care Provider Protection program.  For more information on the PacificCARE membership process, please visit their website at

Child Care Providers

In order to apply for coverage, please fill in and print off the following documents. Please note that the documents you will fill out are based on whether your Child Care Referral Resource Centre (CCRR) is PacificCARE or not. 

If your CCRR is PacificCARE please complete the following document:

For more information, please read our Child Care FAQ guide. 

Property Coverage

In addition to the basic limit of liability, child care providers also have the ability to purchase insurance for their daycare contents and equipment.  The premiums start at $40, and coverage will include the Commercial Edge Property Extension.  Please review the document below for more information.

Liability Wordings

A complete description of the Commercial General Liability Coverage is provided below.  Please review this document for more information:

Edge Complete Wording

Effective October 1, 2018, in cooperation with Intact Insurance Company, we are providing enhanced coverage extensions to property policies on our child care insurance program at no additional cost.  For your convenience, the updated wordings are available here.

For further information on the child care insurance program please contact:

Coastal Community insurance Services (2007) Ltd
471 Trans Canada Hwy
Duncan, BC V9L 3R7
Toll Free: 1.877.705.4232 Email: