When you have employees and your business involves working with children, you must be ever vigilant; one of the biggest potential threats to your business is an accusation that one of your employees is or has been abusing a child under your care; whether this allegation is true or not.

Most people are not aware that today’s definition of abuse includes much more than allegations of sexual abuse.  Child abuse or Child Maltreatment may be physical, sexual, verbal or psychological.  The definition also includes allegations of neglect of a child or children by a parent or other caregiver. Child abuse may include any act or failure to act by a parent or other caregiver that results in actual or potential harm to a child; this can occur in a child’s home, at school, at a Daycare or Day Home, or any other community place or organization which the child visits or has interaction.

It is rare for a Daycare or Day Home to survive in business after a claim of child abuse without proper insurance protection. Most business closures result from an inability to quickly defend allegations both publicly and privately; and by doing so protect their reputation.

We know that many Daycare owners do not carry adequate insurance for these exposures; mostly because of a lack of proper explanation or coverage selection.  Many owners may not even be aware that comprehensive coverage is available.  It is important to deal with an experienced insurance professional that specializes in Daycare Insurance, and get good advice and several coverage options to choose from.

My name is Mohit Halkare (Matt) and I have been looking after insurance for Daycare facilities for almost 10 years. I would be pleased to speak to you about the different types of coverage that are available for your business, and to make sure that you are properly protected at a reasonable cost. Please feel free to email me on mhalkare@excelrisk.ca or call me directly on direct line at (780) 577-9666 at any time without obligation.