Reconcile licensed capacity with reported enrollment and age groups. Ask who may pick up a child and how staff verify custody/authorization; record what was confirmed.
Programs / Staffing / Facility
Underwriting Focus — Cooking and staffing
Distinguish warming or residential cooking from grease-producing commercial cooking. Where applicable, obtain hood cleaning, fire suppression, and Class K service dates and tag photographs.
Fire / Life Safety
Underwriting Focus — Life safety
Emergency egress and staff drill practices are critical for young children. Photograph exit routes and read service tags rather than assuming systems are current.
Playground / Transportation / Losses
Underwriting Focus — Playground and transportation
Photograph playgrounds without children whenever possible. Assess age-appropriate equipment, landing surfacing, fencing, visibility and documented driver/vehicle arrangements; do not photograph identifiable children without permission.
Photos to Obtain
Required: readable service tags (if applicable), complete condition/context photos for each recommendation. Never photograph identifying clients without permission.
Narrative Insert
The risk operates a daycare at ____ in a ____-story ____ construction building containing ____ sq. ft. Building and housekeeping conditions are ____, with recent system upgrades _____. The facility is licensed under ____ for ____ children, with ____ currently enrolled in age groups ____; business hours are ____.
Programs include ____. The facility has ____ classrooms, ____ restrooms, ____ offices and ____ kitchen. Staffing consists of ____ employees, including ____ teachers. Child sign-in/release controls, background checks and CPR training were reported as ____. Commercial cooking and separate service-tag dates, if applicable, are ____.
Life-safety protection consists of ____, with evacuation drills ____. Playground equipment, fence and surfacing are ____. Field trips / transportation consist of ____, with driver/vehicle controls ____. Parking, walkways and lighting appear ____. Reported loss history or noted concerns include ____.