protection for you

It has a state-of-the-art childcare center built around a warm, clean and safe environment. Teachers are carefully selected professionals who provide children with attention, stimulation and fun learning. The children are happy. The staff complies. The parents are proud. What can go wrong?

Unfortunately, there are many things that your commercial general liability insurance does not cover.

Examples of Child Care Claims That Actually Happened!

• Third Party Liability: After a Montessori school declared that it could not admit a child due to limited license capacity, parents sued for racial profiling. Parents insisted that the school had a no admission policy for African American children and cited the fact that the student body did not have a single African American. Defense and Settlement costs totaled: $67,000.

• Internet/Email Responsibility: An administrative assistant at a child care center sent an email to all employees instead of to its single recipient. The email contained an embarrassing and inappropriate joke. The center manager instructed the employee to send a subsequent apology email to everyone. Just 2 months later, an employee who was fired due to the company’s downsizing filed a hostile work environment lawsuit, citing the inappropriate email as evidence of an atmosphere that did not respect her religious principles. The center was baffled and uninterested in having this lawsuit disclosed to parents.

• Retaliation: An employee of an Indian day care center objected to racial slurs directed at him by some of his co-workers. As a result, the owner assigned him to another room where there was less staff presence. The new situation required less time to work and therefore their hours were reduced. The disparaged employee sued the child care center for discrimination and retaliation for reporting discrimination. Defense and Settlement costs totaled: $125,000.

• Wage and Hour – A non-exempt director was covertly tracking hours while working requested overtime. As a salaried worker, this teacher never mentioned any complaints about the extra workload. When the teacher served the owner with a wage and hour claim, she caught him off guard. Although there was no way to discern whether the teacher’s calculations regarding her work hours were accurate, her attorney guided the center to settle for the amount presented rather than risk other current and former employees joining the fray. demand.

Civil Liability Insurance for Labor Practices

Employee-related claims come at a high price. Protect your child care center from a lawsuit with an EPLI plan tailored to your needs.

EPLI

An EPLI policy protects you against lawsuits brought by current, past and prospective employers, as well as visitors. It is coverage for a wide range of suits that come from:

1. Unfair dismissal

2. Discrimination

3. Sexual harassment

4. Refusal of service

5. Other worker claims

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