Protection for you

It has a state-of-the-art daycare 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 is satisfied. Parents are proud. What can go wrong?

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

Examples of child care claims that actually happened!

• Third Party Liability: After a Montessori school declared that they could not admit a child due to limited licensed capacity, the parents filed a racial discrimination lawsuit. Parents insisted that the school had a no-admission policy for African-American children and mentioned the fact that the student body did not contain a single African-American. Defense and conciliation costs totaled: $ 67,000.

• Internet / Email Responsibility: An administrative assistant at a child care center sent an email to all employees rather than to its only intended recipient. The email contained an embarrassing inappropriate joke. The director of the center ordered 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 sued due to a hostile work environment and cited the inappropriate email as evidence of an atmosphere that did not respect her religious principles. The facility was unhappy and was not interested in having this lawsuit disclosed to parents.

• Retaliation: An Indian child care employee 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 warranted fewer hours of work and therefore their hours were reduced. The disparaged employee sued the child care center for discrimination and retaliation for reporting the discrimination. Defense and conciliation costs totaled: $ 125,000.

• Salary and Hour: A nonexempt director was covertly tracking hours while working overtime requested. As a salaried worker, this teacher never mentioned any complaints about the extra workload. When the teacher handed the owner a demand for wages and hours, he was taken by surprise. 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. on demand.

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 that works for you.

EPLI

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

1. Unjustified dismissal

2. Discrimination

3. Sexual harassment

4. Denial service

5. Other employee claims