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Managers, owners and directors of day care centres and other child care facilities alike all know the importance of safety in their businesses. However, accidents can and do happen.In Canada, schools and public parks are the most prevalent locations for incurring playground injuries that result in a child’s visit to an emergency department (36 per cent and 34 per cent, respectively).*

With AIG’s Day Care Insurance, child care groups can provide key accident and medical benefits for staff members, volunteers, and enrolled children in the event of a covered accident. These plans complement an organization’s general liability (GL) plan by covering injuries under a separate accident policy as well as providing supplementary medical coverage for insureds.

* Office of the Chief Medical Officer of Health (Public Health). March 2013.

Features & Benefits

  • Serves as a complement to general liability by covering injuries under a separate accident policy; claims paid will not affect an organization’s GL experience
  • Helps mitigate an organization’s reputational and liability risks should an unexpected accident or injury occur; benefits are paid regardless of fault
  • Members can have confidence that coverage will complement medical insurance and financial needs if an accident occurs
  • Provides a lump sum payment that can be used at the insured’s discretion
  • Offers coverage during participation in the activity as well as travel to and from the activity
  • Provides weekly cash benefits that can help pay expenses while members are partially or totally disabled as a result of an accident
  • Helps organizations fulfill their commitment to their members’ well-being


  • Accidental Death and Dismemberment (AD&D)
  • Accidental Para-Medical Expense Reimbursement
  • Weekly Accident Indemnity
  • Partial Disability Weekly Accident Indemnity
  • A broad range of other benefits are available, including benefits for travel accident, in-hospital stays, family transportation, repatriation, home alteration, and vehicle modification

Coverage Highlights

We can offer customized insurance solutions for day care organizations to support their specific needs. Click below to learn more about each of our coverage options.

Provides a lump sum payment for a covered accident that result in a loss of life, limbs, speech, hearing or sight. An affordable benefit for covered individuals for which the sponsor pays the plan cost.

When unforeseen accidents occur, those affected may need a wide range of services ranging from ambulance transport and physiotherapy to rental of mobility aids. Our Accidental Para-Medical Expense benefit can help injured members pay for additional medical needs that may not be covered under provincial health plans, such as ambulance services, semi-private hospital rooms, mobility aids, private duty nursing, prescription drugs*, and para-medical services. 

* Not available in province of Quebec 

Replaces potential lost income of a participant through indemnity payments for short-term disability(ies) due to a covered accident 

Pays monthly cash benefits for the duration of an insured’s hospital stay due to a covered accidental injury. Supplements provincial hospital coverage and helps protect against unforeseen costs such as parking and transportation costs, child care, and private accommodations.

  • Home Alteration and Vehicle  Modification to make an insured’s residence or vehicle habitable and wheel-chair accessible as a result of a covered accident
  • Burn  Benefit for insureds who suffer severe burns as a result of a covered accident
  • Repatriation for the preparation and transportation of an insured’s mortal remains to home in the event of death
  • Bereavement benefit to pay for covered grief counselling expenses for the insured and his/her family members if the insured suffers a covered accident