For Ontario daycare operators, abuse and molestation wording may now be more important than the limit itself. As more policies shift from occurrence wording to claims-made wording, renewal risk has changed. This blog explains the difference, why it matters for long-tail allegations, and the questions every operator should ask their broker before the next policy renewal.

Ontario’s CWELCC cost-based funding model has changed how licensed daycare operators must approach insurance costs. When renewal premiums rise against a restricted operating margin, coverage decisions become part of the centre’s broader financial strategy. Here is how operators can prepare earlier, review critical policy terms and build a more structured 90-day renewal plan.