Workers' Comp for Child Care Workers
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Why do child and daycares need workers' comp insurance?
Child care professionals may be easily injured in their workplaces and should carry appropriate insurance coverage in case of accidents. Workers’ compensation, sometimes called workers’ comp or workman’s comp, can help cover medical fees and lost wages for child care work-related injuries.
Not only is workers’ comp coverage legally required for almost all child care businesses with employees‚ but it also helps provide protection for the business by reducing its financial risk.
The most common injuries experienced by child care employees are:
– Slips, trips, and falls
– Repetitive motion injuries
Learn more about how workers’ compensation insurance can help protect child and daycare employees.
More than three-quarters of small businesses overpay for workers' comp coverage.
What does workers' compensation insurance cover?
Workers’ compensation insurance helps provide medical, rehabilitation, and disability benefits for child care workers who become injured as a direct result of their job. Workers’ comp may also pay death benefits to a daycare employee’s dependents if the employee is killed in a work-related incident.
In addition to helping child care employees and their families, workers’ compensation insurance can also help protect business owners. Workers’ compensation helps protect daycares from liability for employees’ workplace injuries, and it helps keep employers from having to pay directly out of pocket for those injuries. This coverage may reduce the risk of a significant financial loss if a child care worker is harmed while performing work duties.
Depending on the laws in your state, to be considered compensable and therefore eligible for workers’ compensation, child care injuries must:
have happened to a child or daycare employee (not a vendor or independent contractor),
be the result of a child or daycare workplace injury or illness during employment, and
cause impairment and/or lost wages.
What are relevant types of class codes?
When you’re ready to start your 3-minute quote, you’ll need to know your daycare business’s class code.
A class code is assigned by the National Council of Compensation Insurance (NCCI) or by state agencies—and is created based on the activities and risk level the work requires.
There are many different workers’ comp class codes within the child care industry. Below is one of the most common class codes in the industry.