Are you an owner or employee at a daycare, preschool, nursery or school? The RSS team had the opportunity to attend the Rocky Mountain Early Childhood Conference at the Sheraton Hotel in downtown Denver this weekend. At the conference we were able to talk to local schools, daycares, nurseries and other child care facilities and vendors about the specialized insurance coverage RSS offers the child care industry. We had a great time getting to know the vendors and child care facilities that were present.
Proper insurance coverage is crucial to the success of any school or child care facility. Schools and businesses that are responsible for the development of children are vulnerable to many different risks. It is important that these facilities understand the potential claims associated with the child care industry and make sure they have the proper insurance program in place.
Here are six insurance coverage examples and the types of claims each coverage protects against.
- General Liability: Tyler, a student, fell off the swing at a childcare playground. His two front teeth were knocked out. He incurred $2,000 in dental work. Tyler’s mother filed a claim for the dental expenses and an additional $5,000 alleging emotional distress…
- Professional Liability: Sally’s mother claims that her Child Care center failed to render professional service in the administration of their education program. Sally had failed to identify enough colors and shapes to pass an entrance exam to a private school. Sally’ s parents are suing the child care center for the cost to hire a special tutor and the cost of their tuition.
- Child Abuse or Molestation: A disgruntled parent claims her child had bruises on his arm. When asked, her child stated his teacher hurt him. Charges filed include improper hiring, improper training of employees, and failure to protect the child from harm. Attorneys are hired to defend the school against these charges. The case is dismissed after an investigation fails to prove any abuse occurred. The center’s defense costs amount to $25,000.
- Hired and non-owned auto coverage: The Childcare center owner, Beth, asked Molly, an employee of the Care Center, to run to the store for craft supplies for the holiday project. While on her way to the store Molly rear-ended a car at a stop sign causing $4,000 worth of property damage and $9,000 in bodily injury to the other driver and automobile.
- Certain civil/Criminal Defense Cost Reimbursement*: Doug, a student, stated to his mother that an employee of ABC Child Care, touched him inappropriately. Doug’s mother then filed a report with the local police who then filed criminal charges against the employee. The employee claimed her innocence and while defending her good name and reputation incurred $30,000 in criminal defense costs. The charges were later dropped, when Doug admitted that he had fabricated the story to get back at Lauren for not allowing him to go outside when it was raining.
- Medical Payments: Michael and John, both students at a local childcare center, were playing with matchbox cars when they both decided that they wanted to play with the red sports car. Michael, determined to play with his favorite car, pushed John causing scrapes and abrasions on his arm. After receiving a phone call from the center, John’s mother picked John up and took him to the hospital. The injuries resulted in a $2,000 bill for services provided by the hospital.
**Each of the claims above were resolved by having the proper amount of coverage in place.
As you read above, there are many risks associated with owning or working in any type of child care facility. Having proper coverage in place is extremely important. Our team at RSS is dedicated to providing only the best coverage for the many different types of businesses we are able to insure. Please contact our office to speak with one of our wonderful insurance advisors. We would be happy to look over your current policy to ensure you are receiving the coverage you need to protect your business.