Do you have a nonprofit that cares for children? If so, you encounter unique risks on a regular basis and must go about that liability in a careful manner. Any nonprofit business that cares for children must adhere to strict regulatory guidelines designed to protect the safety, health, and education of the children who attend these facilities. In efforts to protect your business, it is crucial that you consider the many regulatory requirements you’ll need to meet in order to comply with state and local guidelines. Nonprofit lawsuits are far too prevalent. Make sure you are protected.
Licenses and Permits
In the event that a dispute does arise, it is in your best interest to obtain proper licenses and permits. Licenses for running an operation that cares for children is regulated at the state level. You may have to have age-specific licenses for the children you serve. Be diligent about securing the specific licenses you need; without proper paperwork, you are also not likely to be able to secure proper protection against a nonprofit lawsuit.
Staff members should go through at least a basic level of specialized training. Also, there should be a limit the ratio of children to staff members. You’ll have to coordinate your employee list with the number of children involved. Staffing guidelines are a key component that insurance companies analyze when writing coverage policies.
Depending on where you are operating, you may have to choose a building with specific safety features, which can range from covers for outlets to bolsters for furniture to non-toxic building and decorating materials. Also, you may be required to purchase furniture designed for the age group you plan to serve.
Health and Sickness Policies
Preventing the spread of sickness is a prudent risk management consideration to avoid a nonprofit lawsuit. Anyone who runs an operation for children should have policies in place for when parents should keep their children home, how staff should handle illness or injury and how the facility will be kept clean.
You can never be too prepared. It is crucial that you establish a plan for managing various crisis situations, including fires, floods, power failure, and injury. Educating staff about these plans will help ensure that damage is minimized in the event of a crisis. You can protect your business from a nonprofit lawsuit by investing in appropriate business insurance policies. A Nonprofit Insurance Program will be the most effective way to cover your sector’s specialized liabilities and ensure that no matter what arises, you and your patrons will have protection.
About David G. Sayles Insurance Services
At David G. Sayles Insurance Services, we strive to protect the investments of business owners like you. Our comprehensive policies are customized for you to provide the exact coverage you need. For more information, contact us today at (800) 439-0292.