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Best of Both Worlds

Combining 25-plus years of experience with our A++ (Superior) rating from A.M. Best*, Wellfleet Special Risk -- part of the Berkshire Hathaway family -- is the perfect partner.

Superior Service

From our national network of providers powered by a partnership with Cigna to expert client, claims, and customer service teams, we engage students and families in their health plans.

Customized Plans

From daycare to day camps, special events and school activities, and beyond, Wellfleet Special Risk protects against risk throughout every stage of life.

Driven For Success

With designated & expert claims processors, claim repricing, and online claim forms, we take pride in our top-notch claims experience.


Coverage applies while registered children are participating in supervised and sponsored activities of the childcare or school facility, whether on or off premises.  Option is available to cover all volunteers as well.  Coverage is extended while travelling between the group’s premises and a field trip and/or other facility during a supervised and sponsored event.


Daycare centers                  Kindergartens 

Head Start Programs         Pre & After School Programs 

Nursery Schools                 Community Centers & More 



There are two main benefits: 

Accidental Death & Dismemberment including loss of limb and eyesight, loss of speech and hearing and paralysis. 

Accident Medical Expense – Primary or Full Excess*

*Full Excess option pays benefits for eligible expenses that are in excess of benefits paid to the insured by any other health care plan.  If no other health care plan exists, benefits will be payable like primary coverage.

Get in Touch

Interested in learning more about our special risk coverage for daycares? Contact us using the button below and a member of our team will reach out to you.

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Wellfleet is the marketing name used to refer to the insurance and administrative operations of Wellfleet Insurance Company, Wellfleet New York Insurance Company, and Wellfleet Group, LLC. All insurance products are administered or managed by Wellfleet Group, LLC. Product availability is based upon business and/or regulatory approval and may differ among companies.