Insurance is incredibly important for childcare. Insurance covers accidents which happen when a child is in your care, and it’s something which everyone who provides daycare should have. When parents trust their children to you, it is your responsibility to take of them. Insurance policies can protect you and your business in case of an accident in which a child gets hurt or becomes ill.
Daycare forms should be filled in by parents before you accept to care for their child. It requires parents to submit medical records for the child, and this is important especially if they have an allergy, asthma, diabetes or some other medical condition. They should also provide information about their immunisation. This is how to avoid legal actions in the future. Accidents will always happen when kids are enjoying themselves, so unless you want them to sit down and be still and bored, liability insurance is essential just in case something awful happens.
It’s essential in this “where there’s blame there’s a claim” society that those working in childcare protect themselves and their businesses. It is now common for people to seek compensation for relatively simple accidents. When a child becomes injured or sick, if the care provider is deemed to have failed in providing reasonable care it is concluded that the duty of care has been breached and that the carer has “acted negligently”.
When finding insurance ensure that it completely covers you and your business, as otherwise it could be worthless. Ensure that the insurance company has a crisis response team to help you through very serious situations. The last thing you want is an insurance company who doesn’t know how to respond to these types of situations.
There are some important questions to ask when purchasing childcare insurance; Does the insurance cover sexual abuse? Will the insurance company provide risk management advice to try to reduce the number of unfortunate accidents? And most important, does the company have the relevant experience of handling highly sensitive claims such as these?
Caring for children is a huge responsibility, so it’s important to get cover so your business isn’t brought to its knees by legal action. Accidents will happen, so it’s pointless to pretend that by being vigilant and attentive you can eradicate the risk of a child being injured or made ill while in your care. Get childcare insurance and protect yourself and your business.