Today I would address the issue of liability as it concerns our childcare businesses. I’m also sharing with you some of the practices and procedures that I have recently adopted in my own child care business. Here is how to protect your childcare business.
Some time ago there was a show on called the “L” Word. Actually, I never watched the show.
So why did I bring it up?
Well although I’m almost certain it does not have the same meaning today our word for the day is an “L” word – liability.
They’re not our children.
I know many providers who care for their child care children the same as their own children. But here’s the thing, as much as we love and care for the children we serve, in reality, they’re not our children.
There’s a far greater responsibility on a provider when caring for someone else’s child. There are true liability concerns.
Which is why when a colleague of mine recently asked me about the use of a rectal thermometer my first thought was what if it slips and causes a slight bruise. Could there be a case made against a provider? These are things that we have to consider in our childcare businesses.
So today we are addressing what childcare providers and directors can and should do to protect your childcare businesses.
Protect Your Childcare Business
As I said, unfortunately as a business owner childcare providers have to consider liability issues as a top concern when running their businesses.
Five things a childcare business owner can do to protect your childcare business
Fortunately, there are several things we can do to protect your childcare business.
1. Liability Insurance
Liability insurance is an obvious place to start. In fact, in many areas, having or getting liability insurance for many childcare owners is actually is required to operate a childcare business.
Daycare liability insurance caters to the specific needs of a childcare business owner.
Depending on the coverage, childcare liability insurance protects the business owner against lawsuits as well as property damage.
Whether or not is a requirement, childcare owners should seriously consider getting liability insurance to protect your childcare business.
2. Removal of Hazards
Another initial requirement is usually to ensure that the daycare environment is safe for children. The challenge is to constantly be aware of maintaining safety standards.
Since in many cases we live in our childcare businesses, things can be moved or exposed while living in these shared spaces. Cleaners or knives can be pulled out and electrical plugs can be exposed.
In order to protect your childcare business against possible dangerous safety issues, we need to have a process to routinely check for hazards and remove them.
Consider using a checklist and doing a daily walk-through of childcare spaces to ensure hazardous items are put away and out of reach of little hands.
3. Daily Health Check
I have to admit this one is new to me, but it can be very helpful to protect your childcare business.
On the advice of a colleague and friend of mine, I have started using a Daily Health Check form. Many daycares use a process like this, but in my state is not an actually requirement. But it is considered a “Best Practice”.
The use of a Daily Health Check form requires the provider to perform a brief health check on each child upon arrival, preferably before the parent or guardian leaves.
During a health check look for the following:
- breathing difficulties
- severe coughing
- discharge from the nose or eyes
- change in activity level
- changes in skin color (pale or flushed)
- changes in mood (cranky, tearful, or cheerful)
- bruising or swelling
- cuts, abrasions, sores, or rashes
Performing a Daily Health Check is also a perfect opportunity to observe a child for illness as well.
Here is a poster that you can post in your childcare space as a reminder to perform daily health checks.
4. Visitor Log
Occasionally people other than people directly associated with the childcare such as contractors, workers, etc. need to come into the childcare.
Again, although it may not be a requirement, it is a good practice to document these visits with the use of a visitor’s log.
Visitor means anyone who is not a daycare child, staff person, caregiver, volunteer, household member, employee, parent of a child in care, or person authorized to pick-up or drop-off a child to the daycare program.
The use of a visitor log can actually protect your childcare business by providing documentation of who, why and when a person was at the childcare.
Here is a Childcare Visitor Log form template you can use.
5. A Bad Fit
Our fifth and final way to protect your childcare business may not seem like an obvious one. Nevertheless, recognizing a bad fit can help a provider sidestep possible problems in the future.
Many times it can be apparent right at the beginning, either during a tour or the first few days of enrollment, that a family or child is just not a good fit for your childcare.
Red flags could include parents not wanting to sign a contract, provide needed supplies or not adhering to childcare policies.
Determine if a new client is a bad fit
It would be wise for the provider to pay close attention to these early signs of noncompliance and determine if a new client is a bad fit and possibly consider excusing them from the program.
Too many times I have heard from providers that they knew a client was a bad fit early on. But because of low enrollment, they retained the client when they should have let them go.
Sometimes these parents have either gone on to falsely accuse the provider or even intimidate and blackmail the provider when they didn’t get their way.
It would be best to have a process of evaluating whether a client is a good or bad fit to protect your childcare business.
Five ways to protect your childcare business
In this post we reviewed these five simple ways to protect your childcare business:
- Obtaining liability insurance
- Removing hazards
- Use of a Daily Health Check
- Having a Visitor Log
- Being cautious of a bad fit
Consider adding ways to protect your childcare business. In the long run, it very well could be a saving grace.