Day Care Insurance

Smiling Girl with Hands Covered in Paint

At the root of the Child Care “Day Care”  and Education industry you’ll find churches and synagogues who have served the children in our community through Sunday Schools, Private Schools and Nursery Schools.  Our agency has a long history of work with child care and education that was fostered when John Smith began focusing on the protection of Religious Institutions.  From there it was a natural progress for us to begin working with Day Care Insurance in Orange County, Dutchess County, and throughout the Hudson Valley.  As the types of Day Care insurance programs needed by today’s stand alone Day Care Centers as well those needed for In-Home Day Care Providers changed, William A. Smith & Son sought out programs that continued to protect the children and parents who depended on very special environments.

We have the tools you need to help you evaluate the  safety of your   learning environment for the children you care for as well as  the workers you employ.

We can help you protect your assets by educating you regarding programs that were created specifically for your industry by insurance companies who understand your special needs. Some of these companies include: Philadelphia Insurance Company, Markel Insurance Company, The Hartford, Travelers, Chubb, Cincinnati Insurance Companies, Harleysville and Selective Insurance Company, just to name a few.

Let us help you with your:

  • Workers’ Compensation
  • General Liability
  • Educators Liability
  • Abuse and Molestation Coverage
  • Directors and Officers Coverage
  • Employment Practices Liability Insurance
  • Cyber Liability Coverage
  • Property
  • Flood
  • Crime
  • Auto
  • Participant Accident and Health
  • Employee Health, Dental or Vision Insurance
  • And many other available coverages.

If you’d like to discuss your needs,  give us a call at 845-561-1706 and ask for Cathy, Laurie, Jack, James,  or Larry. Call us for a Day Care Insurance quote today.

It is a special honor to be able to do our part in the protection of not only the owners and staff of several child care centers and educational institutions but also the children they care for on a day to day basis.  The fact that we have been able to provide a sense of peace for our clients is a huge bonus. Many of our Day Care Insurance clients are located in Orange County and Dutchess County NY. We do however service clients in many other Counties including the Burroughs of NYC.   Please read some of the feedback we’ve been given below:

“It is so comforting to have the ability to call our agent at anytime and be reassured about any concerns or questions that we might have.  We are fortunate to have found  William A. Smith and Son, and wouldn’t think of doing business anywhere else.”  –Children’s center client

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Privacy Policy

At William A. Smith & Son, Inc. our goal is to professionally and respectfully serve the personal and business insurance needs of our insureds and claimants. Information which you provide or we collect about you when you apply for insurance or when you file a claim helps us to achieve that goal. You provide us with most of the information about you that we use in evaluating your application and servicing your insurance policy or your claim. This enables us to provide coverage to you at the best price or to service your claim promptly and fairly.

We know that the trust of our insureds and claimants is our most important asset. This includes the trust that we will keep the information about you secure and treat it only as permitted by law. This disclosure and notice tells you about the privacy policy we have adopted and the practices we use in handling this information.

1. Information We Collect:
We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us, our affiliates or others;
  • Information we receive from a consumer reporting agency; and
  • Information we receive from a department of motor vehicles and from a Comprehensive Loss Underwriting Exchange


Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected from you.

2. Information we may disclose to third parties:
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

3. Our practices regarding information confidentiality and security:
We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

4. Reservation of the right to disclose information in unforeseen circumstances:

In connection with potential sale or transfer of its interests William A. Smith & Son, Inc. and its affiliates reserve the right to sell or transfer your information (including, but not limited to, your name, address, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that 1) concentrates its business in a similar practice or service; 2) agrees to be William A. Smith & Son, Inc.’s successor in interest with regard to the maintenance and protection of the information collected; and 3) agrees to the obligations of this privacy statement.


Compensation Disclosure

Dear Clients and Prospects:

The State of New York and many other states require that Insurance Producers and Agencies disclose how they are compensated by Insurance Companies. William A. Smith & Son, Inc. and its affiliates and subsidiaries receive various forms of compensation or commission from the insurance companies we place insurance policies with. Below is an outline of this compensation. More detailed information is available if you require it, pursuant to the Insurance Department Regulations.

This information is provided pursuant to New York State Insurance Department Regulation 194 (11NYCRR30.3).

  1. Compensation.  Based on the sale of the insurance selected by you (“the purchaser”), the total compensation expected to be received by Smith William A & Son Inc. , Orange Benefits Partners or William A. Smith & Son Insurance Agency, LLC (“the producer”), including by any parent, subsidiary or affiliate of the producer,  is as follows:Known Compensation.  The producer (including any parent, subsidiary or affiliate of the producer) expects to receive a  percent of the one-year premium you pay on this policy.

    Estimated unknown additional compensation.  Based on some sales of insurance, the producer (including any parent, subsidiary or affiliate of the producer) may be eligible to receive additional compensation depending on a number of factors including premium and policy volume, losses and profitability.  If an estimate appears below, the sale of the insurance selected by the purchaser may help the producer (including any parent, subsidiary or affiliate of the producer) qualify to receive additional compensation, the exact amount of which is unknown at this time.      Unknown compensation is estimated to be 0% to 3%.

  2. Producer prohibited from rebating compensation.  There are a number of sections of the Insurance Law that pertain to rebating and inducements and each has specific applicability to different kinds of insurance.  Collectively those provisions prohibit an authorized insurer, licensed insurance producer, or any person acting on behalf of any such insurer or insurance producer from directly or indirectly paying or offering to pay an insured any rebate from the insurance premium specified in the insurance policy or contract, or giving or offering to give any valuable consideration or inducement, not specified in the insurance policy or contract.
  3. Material Ownership.  The insurer issuing the insurance contract to the purchaser (including any parent, subsidiary or affiliate of the insurer) has material ownership interest in the producer (including any parent, subsidiary or affiliate of the producer), as follows:  None

Not all quotes are created equal! Give us a call after you’ve received yours. We would love the opportunity to go over it with you and be sure you are getting the best coverage at the best price.