Does your insurance protect your daycare?
Dirty diapers are the least of your worries
Commercial child care providers wear a lot of hats. Insurance expert shouldn’t have to be one of them.
If you own or operate a daycare or run a before and/or after school program or preschool, you know there’s a fine line between “kids being kids” and “I’ll see you in court.” Founded or unfounded, claims of negligence or abuse can have a serious impact on your business.
Having insurance is part of licensure requirements in most states, but that’s not all there is to it. There’s a big difference between bare minimum coverage to meet state standards and a policy that adequately protects your business and your livelihood.
Our independent agents can help you create a policy that meets your business needs. In fact, they helped us improve our coverage. We recently expanded our commercial child care options to include Workers’ Compensation, Commercial Auto, and Commercial Umbrella. SECURA also offers optional coverages for abuse and molestation, professional liability, and loss of income, just to name a few.
Let us focus on your insurance, so you can focus on the most important part of your business — the kids.
Delayed flights and lost luggage often headline the list of concerns for travelers, but they are minor inconveniences compared to severe illness, missing prescriptions, or serious injury away from home.
The time to prepare for sickness is before germs hit your team. Illnesses can happen anytime, but flu season generally peaks between December and February, although it can stretch from October through May. Consider how you canprevent an outbreak and how you can respond quickly to limit the impact and costs to your business.
When Jenny VanDeHei left for college to study business, she thought she had picked her last stone and fed her last calf. She loved the family farm she grew up on, but she saw her future as an accountant, in an office building in the city, far from the country fresh smell of cow manure.
When you’re born into a farm family, on the job training begins the moment you can walk. You learn quickly where it’s safe to play, not to startle the animals, and that there’s always a way you can help – no matter your age. Curt Weis, Manager – Farm and Agribusiness Training, can attest to this because he earned his keep by working on his family’s farm right up until he left for college.
Patti Lemke, Sr. Agribusiness Underwriter, spent her entire young life living and working on a farm. Her parents owned and operated a small farm in Eden, Wis. that milked 65 cows in a stanchion barn, and she worked on a large dairy farm that milked 700 head from the time she was 14 until she left for college.