As a childcare provider, you are responsible for every kid left under your care. Day care insurance is an essential part of protecting your assets if something were to go wrong on the premises. A common reason behind injuries at day cares is children fighting. There are ways to prevent or limit the severity of disagreements between your charges.
• Create and post a list of punishments for children involved in fights.
• Make time regularly to talk about bullying, peaceful solutions to disagreements, and other topics related to fighting among kids.
• Talk to parents about children who are constantly involved in fights, especially ones that turn physical. You may want to include in your list of policies the possibility of a kid being removed from the childcare program for regular behavior issues.
• You should not promote violence by showing violent television shows or allowing the children to play violent games.
• Try to settle disagreements quickly and fairly. If a fight turns physical before you are able to stop it, notify parents immediately and provide any necessary medical aid.
It is important to treat bullying or fighting as a serious issue. Any injury that occurs while the kids are under your watch could be placed on your shoulders legally and financially. Having a comprehensive day care insurance policy could keep the medical bills and wrath of angry parents from bankrupting you or your business.
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