Pre-schooler Program (Enhanced)
Applications, Forms, & Brochures
Availability
Our Enhanced Pre-School Program is not available in all states. See our Special Risk Countrywide Program for pre-school in:
- Connecticut
- Florida
- Kansas
- Maine
- Maryland
- Montana
- South Carolina
- Vermont
- Washington
This is an explanation of the general purposes of the coverage described, but in no way changes or affects the policy as actually issued.
Eligibility
The following schools and programs are eligible for coverage under this program.
- Kindergartens;
- Nursery schools;
- Licensed day care centers; and
- Project Head Start
Who is Covered?
All registered students or enrollees of the Policyholder will be covered. Teachers and Head Start supervisors may be insured at the option of the Policyholder, but, if so, all must be covered.
When Are They Covered?
Students (and teachers or supervisors) are covered:
- while participating in day care activities sponsored and supervised by the Policyholder, and
- while traveling with a group in connection with such activities or while traveling directly between school and home.
Travel for Head Start participants and supervisors is covered only while in a vehicle designated by the program director and driven by an appointed licensed driver.
For more information about terms, conditions, limitations and exclusions please review the Blanket Lines Description of Coverages document.
General Information
All day care children must be included in the policy. A name list is not required, but a premium must be paid for each person to be insured. Those persons joining the group while the policy is in effect will be covered automatically until the policy expiration date - without an additional charge. The total premium for the policy is payable when the insurance becomes effective. No refunds will be made for persons who leave the group before the policy period expires.
This program can provide coverage for children age 7 and older for after school day care center activities only, provided the number of children age 7 and older does not constitute a substantial portion of the total number of children to be covered. It is not the intent of this program to provide coverage for this age group while they are participating either in normal school time activities in public or private schools, or in after school "latchkey" activities.
Programs are also available for pre-schools either specializing in the care of children with disabilities, or where children age 7 and older make up a substantial portion of the total enrollment.
Premiums
The minimum premium for the Preschooler program is $310. The minimum premium is non-refundable in the event the policy is canceled after the effective date.
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office of both companies is Simsbury, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder. Benefits are subject to state availability.