As a Creche you have unique needs that require policies designed for your business
As a Creche you are at risk of being sued if a child or visitor is injured at your premises or if the child suffers an illness or injury from the products you use? Not to mention any property damage that may be caused to the premises you may lease.
Without the right coverage, you could be liable for paying legal costs and damages. At Educare we have been working with insurers to develop cover that is specific for you.
As a Creche, what are some of the things you need cover for:
- Children have the right to sue you up until they turn 21. So you cant have cover that expires if you stop with the policy
- You are at risk if a child or visitor is injured at your premises
- What if a child was taken because you didn’t have the correct sign in / sign out procedures?
- What if a child gets sick or injured from products you use or food that is handled on site
- Medical incidents related to injuries, allergies, physical abuse or sexual abuse
Types of insurance your Educare package can include:
Group Personal Accident & Workers Compensation
Personal accident cover for children and volunteers, including assistance in arranging workers compensation for your employees.
Management Liability and Cyber Insurance
Covering you for all the risks associated with running a business and employing staff.
Property & Crime
Public and Products Liability
Liability covers your legal costs and expenses in the event you are found at fault for personal injury or property damage. Some Examples of claims include:
- child injuries caused by playground equipment, toys etc;
- food/drink served to children
- injury to volunteers
- ‘escape’ of children into adjacent roadways could cause motor vehicle accidents
- excursions/field trips
- spillages, toys on floor etc contribute to slip, trip and fall potential
Covers you for breaches of your professional duty, claims. Examples include:
- Treatment Risk – first aid
- Failure to adequately supervise children in care
- Inadvertently releasing a child to a part who is not the legal guardian
- Failure to provide medicines or allow for allergies declared to the creche
- Failure of management to perform appropriate employment checks, thereby employing unsuitable or dangerous staff
- Sexual or physical abuse
- Inadequate procedures in place regarding sign-in and sign-out procedures, registration, health and allergy declarations