Your insurance is in effect for one year from the date your application is received and approved. Certificate of Insurance will be issued within 7 days of receipt of your application by our office or, if application is incomplete or otherwise unacceptable, our notification to you will be postmarked within 7 days and your application will be returned without charge. Claims will be handled promptly by experienced claims professionals. A toll-free claims number will be made available.
Coverage is written on an occurrence basis.
Thus, you have coverage for claims occurring during the policy period even if thy are reported after the policy expires. Bodily Injury and Property Damage resulting from your family childcare operations.