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Protecting Your Day Care Staff

Workers Compensation Coverage

The success of your day care center relies heavily on the quality and talents of your staff. While your first concern is the safety and well-being of the children in your care, it is also imperative to obtain workers’ compensation coverage in order to protect your staff and yourself in the event of accidents or emergencies.

If your facility does not have workers’ comp, you will be held liable for their injury and will not only be responsible for their medical bills, but can be penalized by the state in which you are located.

By obtaining workers’ comp, your employees will be covered in the event of work-related injuries. Some benefits for these injured employees include things like:
  • Medical bill payments
  • Payments of lost wages from missed work
  • Disability coverage
Since state laws do vary, you may or may not be required to purchase workers’ comp for both full time and part time employees, although it is highly advised that you do. It is also important to remember that your staff’s medical plan and your liability insurance will not cover injuries that occur on the job, causing them to have to file a workers’ comp claim.

In addition, extra options can be added to your workers’ compensation plan for extended coverage. Things such as fraud investigations, legal expenses, and pay-as-you-go plans can help to enhance your coverage.

Since not all injuries can be prevented, even in the safest environments, it is imperative to ensure the safety of your employees and purchase workers’ compensation. By consulting with the risk management experts at Britton Gallagher, you can rest assured that you will receive the best advice and appropriate coverage for your child care center and your employees.
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