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An agent’s perspectiveTom Fallon, senior vice president of Bollinger, Inc, Short Hills, N.J., has been insuring child care centers since the 1980s. He stresses the importance of maintaining key coverages for child care clients, including sexual abuse and molestation coverage. “Many insurers provide this coverage with defense cost outside the limits as an endorsement to the general liability policy,” he said. “This should be sought on every child care center insurance policy.”

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