When you also have equipment or operate from an office
All Basic plan benefits and:
General Liability insurance protects child and youth services from claims involving bodily injury, property damage or advertising mistakes. It shields your business from litigation expenses, out-of-court settlements, and judgments awarded by the court.
When your business owns vehicles, you need Commercial Auto insurance to provide better coverage and higher limits than personal auto insurance can cover. This insurance covers physical and property damage, as well as liability amounts and situations that personal auto insurance won't be able to cover.
Workers' Compensaton is a state-mandated insurance that pays for hospital bills and medical expenses due to work-related illness or injury. It also provides disability benefits, and income, for when the employee is unable to work. The employees are then relinquished of their rights to sue your business for negligence.
Employment Practices and Liability Insurance (EPLI) provides coverage against the claims made by your employees like wrongful termination, discrimination, harassment, and any other employment-related issues. These may include invasion of privacy, defamation, inappropriate workplace conduct, and negligent evaluation.
In this industry, the businesses provide nonresidential assistance for children. Professionals care for children and make sure they remain in good hands. Examples of these establishments include adoption agencies, youth centers, child guidance organizations, youth self-help organizations, and foster care placement services.
Child and youth services need insurance because it protects your business against the risk of loss, damage, theft, accidents and liability claims. Defending a claim cannot only be expensive but very time-consuming, even if it is found that your business is not at fault. Moreover, the cost of subsequent damages could seriously affect your finances.
If you employ anyone, including temporary, part-time or students on work placements, these employees can become injured or catch a disease at work. As their employer, you are responsible for medical payments. Your building could get damaged by fire, storm or natural disaster. If you hold money on the premises or handle large amounts of cash and this gets stolen, your business is liable for these losses. When your child and youth services are unable to deliver your services and lose income, you will pay for the damages that it may cause to your client.
The cost of your insurance varies on certain criteria. Insurance providers usually look for the type of services you offer, the number of employees you have and the amount of protection you want to receive. Contact our customer service representatives to get the right insurance for you.
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