Owning and operating a daycare facility can be a very rewarding profession, but it can also be stressful and complicated when the proper insurance investments are not considered. The employees who work at a daycare center are often faced with unique risks that are much different than those in other fields. With so many different factors in play, it is important to have a specific day care workers compensation policy in place in the off chance that something happens at your place of business.
Working with small children can be exhausting, especially when employees are required to work long shifts. Even if the shifts at your daycare are the typical four or eight hours, playing with and caring for children for an extended period of time can be taxing. These long stretches have the ability to lead to negligent behavior or accidents that could have otherwise been prevented.
Slip and Fall
Many daycare employees are on their feet most of the day. A good day care workers compensation should provide coverage for the slip and fall accidents that can occur. Teachers may worry about tripping over children or toys that can dot the floor.
Being hurt on the job can be a significant financial burden for your employees, but with day care workers compensation in place you can provide coverage for medical care without facing a significant loss of income.