CHG Insurance

CHG Insurance
P.O. Box 2976
Georgetown, TX 78627

ph: (512) 843-0069
fax: (512) 600-3115
alt: (888) 499-2034

info@chgins.com

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Claims Scenarios

Here are some claims scenarios to give you an idea of some of the type claims that happen in your industry.

  • Personal Injury

    The insured operates a nationwide day care program. An individual hired by the insured as a teacher was placed on leave following complaints of improper contact from the parents of a child at the day care. Investigation revealed at least 16 children were kissed, fondled, or penetrated by the insured's employee. Fourteen of the children are girls who were ages 3-4. Recent allegations include two 7 year old boys who were subject to oral sex in front of younger children. The employee has pled guilty to multiple counts of child rape and multiple counts of sexual battery of a child.

  • General Liability

    A student fell off a swing at the childcare playground. His front two teeth were knocked out. He incurred $2,000 in dental work. His mother filed a claim for the dental expenses and an additional $5,000 alleging emotional stress. 

  • Property Loss

    Owner arrived at their child care center to find that a fire had originated from the electrical panel. The fie damaged her child care center causing $25,000 in property damage. The center was closed down for 4 weeks to clean up the damage and they lossed income for that time period.

  • Professional Liability

    Mother claims that Child Care center failed to render professional services in the administration of their education program. The child had failed to identity enough colors and shapes to pass an entrance exam to a private school. The parents are suing for the cost to hire a special tutor and a refund of their tuition paid to child care center.

  • Child Abuse or Molestation

    A disgruntled parent claims her child had bruises on his arm. When asked, her child stated his teacher hurt him. Charges filed included improper hiring, improper training of employees, and failure to protect the child from harm. Attorneys are hired to defend the school against these charges. The case is dismissed after an investigation fails to prove any abuse occurred. The center's defense cost  amounted to $25,000.

  • Hired and Non-owned Auto Coverage

    The owner asked an employee, to run to the store for craft supplies for the holiday project. While en route to the store the employee rear-ends another car at a stop sign causing $4,000 worth of property damage and $9,000 in bodily injury to the other driver and automobile.

There are just a few things that have happened to other owners.

At one point these owners had something in common with you...

"They thought this won't happen to me"

Now imagine your agent cut some corners to get the best price for you and now you just got a letter from the carrier declining to cover your claim.

Legal fees alone can be a major expense for a business.

Once there is a claim there is no backtracking or second chances to make sure you have coverage.

Call CHG today!!!

(512) 843-0069
(888) 499-2037
info@chgins.com

Have Questions?

We are here to help you get the answers to your questions!!!

(512) 843-0069 or (888) 499-2034

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CHG Insurance
P.O. Box 2976
Georgetown, TX 78627

ph: (512) 843-0069
fax: (512) 600-3115
alt: (888) 499-2034

info@chgins.com