Child, Youth and Elder Services Insurance

The services you provide in your community are invaluable. Whether you run a daycare, camp, education facility, retirement living or long-term care, we have the right program of insurance for you.

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Insurance That Cares and Protects

You’re passionate about providing a safe, enriching environment for those in your care, and we know it’s easier to focus on the important work you do when your business is protected with a strong insurance policy. When unexpected events happen — whether an accident, building damage, a data breach or another issue — your insurance should be there to help you, day or night.

Our specialists in child and youth services and elderly care will review your operations to understand your needs, and then create a custom insurance solution that provides you with the right coverage at the best value. Later, if you need to make a claim, we’ll be there to advocate for you at every step — so you can get back to delivering compassionate care as quickly as possible.

We provide essential insurance for a wide range of child, youth and elderly services, such as:

  • Daycares
  • Schools
  • Camps
  • Tutoring Services
  • Colleges
  • Long-Term Care Homes
  • Retirement Homes
  • Seniors Residences
  • Family Services
  • Children’s Aid Organizations
  • and more

Our insurance packages for child and youth services and elderly care give you the right coverage at the best value. Let’s work together to build you a custom solution you can count on.

Insurance Coverages for Child and Youth Services and Elderly Care

Your operations are unique, so your insurance should be, too. Here are some of the coverages you may need.

  • Buildings/Facility

    Coverage for loss or damage to buildings or facilities you own as a result of fire, wind, water, theft, or other unexpected incidents.

  • Contents, Equipment and Stock

    Protects your facility against loss, damage or theft of your property, such as shelving, furniture, computers and instructional tools and materials.

  • Loss of Income / Business Interruption

    Coverage for loss of income as a result of an interruption of your regular business operations due to a covered loss.

  • Crime

    Coverage for financial loss of currency or inventory due to employee dishonesty, inside or outside robbery, fraud or forgery.

  • Commercial Liability

    Protects you and your organization against legal liability claims made by others for bodily injury, property damage or advertising liability arising from your business operations.

  • Tenants Legal Liability

    Coverage for rented business premises to protect you, as a tenant, from legal liability for loss or damage to the space you occupy.

  • Non-Owned Auto

    Provides coverage for your organization for vehicles used but not owned by the organization, such as an employee’s personal vehicle.

  • Professional Liability

    Coverage to protect you and your organization against claims related to delivery of professional services and/or advice.

  • Malpractice Liability

    Professional liability coverage that responds to claims of negligence in cases where professional service delivery leads to bodily harm.

  • Abuse Liability

    Coverage to assist and defend the organization against allegations of abuse that may arise from work with youth and vulnerable individuals.

  • Employers Liability

    Provides liability coverage for an employer if an employee becomes ill or is injured as a direct result of their employment.

  • Directors and Officers Liability

    Provides organization directors, officers and board members protection from liability exposure resulting from lawsuits and risks associated with managing the organization.

  • Cyber Risk

    Designed to provide protection from a data breach or other cyber event by assisting with costs such as recovery of information, network repairs, legal claims, and public relations services.

  • Business Vehicles

    Coverage for vehicles registered to your organization and used in your operations for third-party liability and accident benefits, with optional coverages available for collision, comprehensive and loss of use.

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Why Choose Stewart Morrison Insurance?

We Provide Guidance

We provide genuine care, expertise and personalized service you can count on. You deserve to feel you can trust your insurance broker to do the best for you. We listen, ask questions and understand, taking the worry out of purchasing insurance. You will have a dedicated person to talk with, and they will deliver the right solutions for your family or your business.

We Deliver Value

Once we understand your needs, we will negotiate the right coverage and competitive premiums with the insurance provider most suited to you. Your premium dollars should be used to the best advantage, and we do that for you.

We Advocate for You

Insurance is complex and different for everyone, and that’s why it needs a human touch. We’ll guide you through purchasing your insurance and assist in the claims process. We have strong relationships with our insurance partners, who respect what we do, and because we have the right coverage in place for you from the beginning, we can and will advocate for you. Our commitment is to be there when you need us, always.

“As longtime community supporters ourselves, we respect what you do to enhance life in our communities, and we will tailor an insurance program to respond to your needs. Call us: Our business is protecting yours.”

Marlene Morrison Nicholls
President & CEO

Live Your Best, Let Us Do the Rest

We’re here to ensure you’re protected and have insurance options for your business, your home and all that matters to you. Learn more: