protection for you

It has a state-of-the-art day care 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 is met. 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 Occurred!

• Third Party Liability: After a Montessori school declared it could not admit a child due to limited license capacity, parents sued for racial discrimination. Parents insisted that the school had a no-admissions policy for African-American children and brought up the fact that there was not a single African-American in the student body. Defense and Settlement 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 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 laid off 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 tenets. The center was baffled and uninterested in having this lawsuit revealed to the parents.

• Retaliation: An employee at an Indian day care center took issue with 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 work time and therefore their hours were reduced. The belittled employee sued the child care center for discrimination and retaliation for reporting the 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 demand for wages and hours, she caught him by surprise. Although there was no way to discern whether the teacher’s calculations regarding her work hours were accurate, her lawyer 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 for you.

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 coming from:

1. unfair dismissal

2. Discrimination

3. Sexual harassment

4. Denial of service

5. Other workers’ claims