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Don't Wait To Make A Claim

Yesterday, while searching the internet for news of interest on the child care industry, I came across a link to a local television news story about one of our clients. It seems one of the child care providers at this facility had been arrested and charged with child abuse for slapping a child.
This incident was captured on video surveillance and as you can imagine, the child's mother is furious, She says in her interview on the local news, "The daycare needs to be shut down."
You can rest assured there will be a lawsuit forthcoming.
The odd thing is that this client has yet to report the incident, which happened 21 days ago, to the insurance company.

How An Ounce Of Prevention Can Keep You From Financial Ruin

Early childhood educators frequently run their school on a shoe string.  Their priorities always revolve around the program they provide to their enrolled families, their staff and hopefully providing a living for their own family.  As a result, few programs set aside funds for maintenance and repair work which inevitably leads to reacting to a bad situation.
A couple of examples will help illustrate the point.  In one school where they owned the building, the wiring and electrical panel was 40 years old.  Once the school brought a new commercial refrigerator into the kitchen they started to experience problems with the kitchen circuit being tripped sporadically.  The cook and owner didn't really think much about the situation, they would just reset the circuit breaker and go on about their day.  They certainly did not ask an electrician to come out and look at the situation because that cost money that wasn't in the budget.
About 8 months after the new refrigerator was brought into the school, the owner received a phone call from her alarm monitoring company at 3:30 in the morning.  Her school was on fire.  The alarm company had dispatched the fire department.  The owner arrived in time to watch her school finish burning to the ground.

What Does Yours Amount To?
When you buy an insurance policy you are buying a piece of paper and a promise.  The promise is: when you have a claim, the insurance company will pay you everything due you under the terms in the policy. The claim is where the rubber meets the road. 
The purpose of an insurance agent is to make the entire insurance transaction make sense.  Insurance can be very confusing to the average individual.  It is a small slice of law.  The average individual does not know all the statutes and rules in their state much less the court interpretations of these statutes and rules.  The insurance agent is responsible for helping you protect yourself.
So, when the claim happens, depend upon your agent to help you successfully navigate the process with the insurance company.  Your agent will be able to take the details of the situation from you and relay them to the insurance company in the most efficient way possible.  Your agent will also be able to connect with people inside the insurance company's claims department to keep your claim moving forward to a fair conclusion.  

There Is Never Enough Closet Space

I know this will make me sound like a woman, but I don't believe you can ever have too much closet space.  With the constant need for more closet space it is easy to jam things into the closet with no thought other than getting the door shut.  If you close your eyes and think about old cartoons, you'll be able to visualize the cartoon character leaning against the closet door to get it closed while the stuff is bursting out the sides.
In one school with this challenge the cartoon turned into a bad dream.  When a teacher opened the closet door to look for a bucket, instead of finding the bucket the teacher had a computer monitor fall on her foot.  This resulted in a trip to the emergency room where she found out her foot was fractured.
As a result of the fracture the teacher had her foot in a cast for 2 months and was unable to perform her job duties.  She could not lift, stand or walk on the foot throughout the two months.  The work comp claim came to more than $10,000 between medical bills and lost wages.  The school also had the inconvenience of hiring someone to fill the job for 2 months and then the need to bring the injured employee back.

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Please be advised that information contained in this site may be dated. No insurance coverage can be bound, deleted, modified or in any other manner effected through this website. Complete information regarding coverage and exclusions can be found in policy documents. The information contained in this website is summary in nature.