Few companies are at home so sensitive to the liability of the business of child care. The cost of the damage in case of negligence or carelessness can be extreme, especially when a child's injuries are permanent in nature. Juries tend to be more sensitive to the suffering of a child and the parents can pay in the pursuit of zealous for violations of their children, whether physically or emotionally.
Franchising a day-care business provides an opportunity to disseminatethe cost of home care insurance on larger numbers, reducing premiums for individual companies. franchised businesses have the added advantage of sharing their common expertise in the prevention of accidents or diseases associated with day care operators.
* Accidents are the leading cause of death for children between birth and five years.
* In addition, not all accidents are the leading cause of nonfatal injuries treated in emergency rooms.
* 3000Children are injured or killed each year by televisions falling on them!
* Each year more than 90,000 children permanently disabled by accident injuries.
* Family pets can be a danger to children who accidentally rough with them.
Home child care business liability insurance cover is essential to liability for a child's well-being in a home day care center. Children are inherently vulnerable to injury. Once they take the first steps, theyto fall more, climb on things, then move from watchful eyes. They tend to be stubborn and try again if their first attempts fail. Two children in San Jose, California were jumping on beds, if you fall and cut her cheek laid on a bed frame, causing a permanent facial scar. Another, not yet two, that somehow managed on the top shelf in a closet and fall climbing, tie rod, rack and all the clothes to him.
Children are remarkably resilient, but surprisinglyfragile. They seem to be able to bounce, and get up and do it again if they fall. On the other hand, an adult may not realize picking a child by the arms, the shoulders, pull plugs. Home child care liability insurance covers actual damages due to negligence or lack of care. Also covered are the possible long-term damage for the care of a child may change its requirements due to injury. Crimes by the business person or any other household member ever to be committedunder the home care liability insurance.
A liability policy covers diseases that are caused by food pathogens and disease, taken by the exposure to other sick child in the care program under contract.
Since the statutory duty is to such a serious and costly test, day care franchises offer a viable and often cheaper way of protecting the operator's assets from the threat of legal action.
Really an informative blog post to know how Day Care Franchises are helpful to reduce premiums of liability insurance. Thanks for sharing the info.
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