Is Humpty one of your daycare kids?
Could you be Mother or Father Goose?

Kids get hurt. Whether they are at your daycare center or at their own home, they get hurt. Unfortunately parents and our legal system seem to believe that if the kid is in your care then the child should be magically immune to bumps, bruises and broken bones.

One child care provider recently faced this tough reality. A little girl in her care was using the merry-go-round. The girl threw her head back as the merry-go-round was spinning and hit her head on a another piece of playground equipment. She needed a couple of stitches. Now the care provider is getting letters from the parent's attorneys and may be involved in a lawsuit.

You can protect yourself and the kids by purchasing liability and accident insurance. Our provider was able to pick up the phone and report the incident to her insurance company. She gets experienced professionals to advise her and doesn't have to open her checkbook to pay legal fees, even if the case goes to court. If a judge or jury decides that she owes the family money, her insurance company will pay. Finally, her accident policy is covering the bill for stitching the girl's head.

If the care provider did not have insurance she:

• Would be on her own in deciding how to handle the incident.
• Would have to pay a lawyer to defend her.
• Would have to pay whatever sum the legal system decided the family was entitled to.
• Would have to pay the doctors bill.
• Might lose her savings, house and business in settling such amounts.
• Could lose her good reputation if she is unable to meet these financial demands.

In-Care
Insurance designed for daycare homes

Our insurance program is designed specifically to meet the unique needs of daycare homes and provides flexibility so that you can custom tailor the level of protection you require. We offer:

Accident insurance which voluntarily pays for up to $10,000 of medical bills due to accidents. Frequently, speedy resolution of the medical bills diffuses the situation so that a lawsuit never materializes.

Liability insurance which protects you in cases where you might be legally responsible for damages. This includes protection in the face of day-to day accidents, unforeseen results of normal business activities, and allegations of abuse or molestation, food poisoning, or exposure to infectious disease.

This protection and the peace of mind it produces can be yours for as little as:

• Accident Insurance: $100 each year
• Liability Insurance: $225 each year

Call us today at 800-225-0863. Sleep soundly tonight.

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