Childcare Insurance. Summary and Guide. Unit 4, Broomhill Business Complex, Broomhill Road, Tallaght, Dublin 24 Tel: /

Transcription

1 Childcare Isurace Summary ad Guide Uit 4, Broomhill Busiess Complex, Broomhill Road, Tallaght, Dubli 24 Tel: /

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3 Childcare Isurace Summary ad Guide The growig umber of workig parets i Irelad has icreased the eed for Early Childhood Care ad Educatio services. It is recogised that where youg childre go, there may be accidets, so it is crucial to choose the right ECCE isurace product. A comprehesive isurace policy that fully protects you the ECCE provider whe the uexpected occurs is essetial. Whether it is a burst pipe, or a child s fall, Ala B Kidd ad RSA Isurace have a isurace product that is desiged to meet all the eeds of the ECCE Service provider Ala B. Kidd ad RSA Isurace... Have 40 years experiece i ECCE isurace i Irelad Developed a comprehesive cover specifically for the members of Early Childhood Irelad Competitive price Are a Irish based Broker ad Isurer Provide excellet service with specific isight ad extesive kowledge of the ECCE sector Have a locally based claims service No call cetres - your accout will be serviced by our dedicated team of isurace experts. Helplies - Legal, health / medical, domestic emergecies ad cousellig service available at o extra cost - 24 hours a day, 365 days a year Supported by RSA Isurace - a proud history of 300 years i isurace Value for Moey The Early Childhood Irelad Childcare Isurace package provides automatic cover for all your essetial eeds at a very reasoable cost. Public/Products ad Employers Liability Theft by Employee Persoal Accidet Professioal Idemity Property Damage cover for Cotets Directors ad Officers Loss of Reveue Commercial Legal Protectio Moey Buildigs ca be added as optioal extesio. This Summary ad Guide is a detailed summary of the mai covers ad extesios of the Childcare Isurace policy so that you are aware of what you will be covered for before you purchase your isurace. To discuss your isurace requiremets or to receive a full policy wordig, cotact ECI o A full policy booklet ad schedule will be issued to you by whe you take out the cover. Alteratively, if requested the policy booklet ca be posted to you, by ECI , ( There is a admiistrative cost for this optio). 3

4 Frequetly Asked Questios Am I covered for fud raisig activities? Yes, there is automatic cover for may fud raisig activities. Details of the type of activities which are cosidered to be acceptable are listed below. If your fud raisig evet is ot oe of these listed activities the cotact our Childcare Uderwritig Specialists o with full details for cosideratio. Natioal Pyjama Day (A ECI fud raisig evet) Parties Beefit ight Poker Nights Cake Sale Race Nights Car Boot Sale Sale of work / fete / bazaar Exhibitios or Displays Sposored walk, cycle, ru, car wash Flag Days Table quiz Am I covered to admiister medicatio to the childre i my care? Yes, the admiistratio of medicie is covered uder this isurace package provided you maitai a register of medicatio i which the times ad dosages are recorded together with sigatures. For oral medicatio which is either prescribed by the child s GP or has the maufacturers istructio clearly writte o it you must obtai the paret s or guardia s coset ad clear istructios o how to admiister the medicatio. For the admiistratio of a ijectio or emergecy treatmet for a allergy you must obtai a letter from the child s GP or cosultat statig the child s coditio ad the treatmet required writte coset from the child s paret or guardia ad, a assessmet of the child s coditio from the paret or guardia every six moths Istructio to be provided to omiated employees i the admiistratio of the medicatio by a qualified urse or doctor with records siged ad retaied. Does the policy cover childre with special eeds? Yes, the policy provides cover for your legal liability to ay child icludig ay child with special eeds. Do I have to adhere to a specific adult/child ratio? Yes, you must adopt the recommeded ratios which are outlied i the curret Childcare legislatio. Am I isured to take the childre o a outig? Yes, orgaised outigs which ivolve brigig the childre away from the premises e.g. trips to the zoo or the ciema are automatically covered. However, you must comply with the adult/child ratio as follows:- 1 adult to 3 childre for childre i the 1 to 4 year age bracket 1 adult to 8 childre for childre i the 5 to 12 year age bracket If I brig the childre to a playgroud ear to my premises must I adhere to the adult child ratio for outigs? No, you do ot eed to adhere to the ratio for outigs provided the playgroud is eclosed ad it is located withi 500m of your ow premises. However, for ay other sceario the outigs ratio of 1 adult to 3 childre must apply. What is the adult/child ratio for droppig/ collectig childre to/from school? The adult/child ratio for droppig/collectig childre to/from school is 1 adult to 4 childre if you are walkig or 1 adult to 5 childre if you are travellig by car (provided there are adequate seats / seat belts for 5 childre) Am I covered to accept childre o a drop-i basis? All childre i your care must be pre-booked, pre-registered ad atted your service o a regular basis. Am I covered for loss of icome if I have to close my service because of a outbreak of a ifectious disease amogst the childre i my care? Yes, cover is provided uder this isurace however, it must be a otifiable disease ad your premises must be closed o the istructios of the HSE oly. Refer to the HSE for full details of what is cosidered a otifiable disease. The Early Childhood Irelad Childcare Isurace package fully protects you whether you are operatig A paret ad toddler group Part-time day care A sessioal service A after-school service Full Day Care Combiatio of sessioal / part time day care ad after-school service 4

5 Policy Summary Childcare Isurace Summary ad Guide Automatic protectio for the childre i your care... PUBLIC/PRODUCTS LIABILITY This provides cover i the evet that you or your employees are cosidered legally resposible for ijury, death or illess to a third party or damage to third party property. A third party ca be a member of the public icludig childre i your care, a paret or ay visitor to your premises. Third party property is property which does ot belog to you or ay of your employees ad which is ot i your care or cotrol. You must be foud to be legally resposible for a claim to succeed agaist you uder this public liability isurace. The limit provided is 13,000,000 ad icludes:- drop-off ad collectios to ad from school, supervised outigs, supervised swimmig, holiday camp, fud raisig evets food poisoig admiistratio of medicatio Use of local playgroud facilities Participatio i St. Patricks Day Parade, charity walks or other commuity based festivals or evets Use of boucy castles ad trampolies (Best Practise Guidelies are available o request) Vicarious liability for the actios of employees without your kowledge or coset (e.g. abuse) limit 6,500,000 PERSONAL ACCIDENT INSURANCE The majority of accidets are dealt with uder the public liability isurace. However, some accidets are ot ayoe s fault ad you caot be held resposible. I these circumstaces the Persoal Accidet isurace will provide compesatio for accidetal bodily ijury suffered by ay child i your care. Beefits Death 30,000 Loss of two or more limbs or eyes 150,000 Permaet Total Disablemet 150,000 Medical or Detal expeses 30,000 Hospitalisatio Beefit Payable Weekly (up to 26 weeks excludig week oe) 200 Automatic protectio for the childre i your care... EMPLOYERS LIABILITY This provides cover for ijury, death or illess to a employee, provided you are foud to be legally resposible for the ijury or illess. A employee is cosidered to be a voluteer, paid member of staff, work experiece studet or traiee. All employees are automatically icluded withi the isurace cover ad there is o eed to provide details of your employees. The limit provided is 13,000,000. PERSONAL ACCIDENT COVER Compesatio payable for accidetal bodily ijury suffered by ay employee i the course of their employmet The beefits are:- Death 150,000 Loss of two or more limbs or both eyes 150,000 Permaet total disablemet 150,000 Medical expeses 30,000 Hospitalisatio Beefit Payable Weekly (up to 26 weeks excludig week oe) 200 5

6 Policy Summary (cotiued) Automatic protectio for yourself ad your busiess... PROPERTY DAMAGE Cotets belogig to you, or, for which you are resposible icludig toys, furiture, books, carpets, electrical equipmet, fixed outdoor play equipmet etc. This isurace provides cover i the evet of loss or damage to your cotets caused by fire, explosio, lightig, aircraft, earthquake, riot civil commotio, malicious damage, storm, flood, escape of water, impact, theft, glass ad accidetal loss or damage. The sum isured should be the total cost to replace all the cotets. This isurace provides a automatic sum isured of 25,000 as stadard but may be icreased if this figure is ot sufficiet. The followig extesios are automatically icluded (subject to adequacy of sum isured):- Oe laptop up to 1,000 Cotets stored i securely locked outside timber/ galvaised sheds 1500 Cotets i trasit 3,500 Loss of refrigerated food stuffs 2,500 Theft of oil from fixed taks 2,500 Fire Brigade charges 25,000 Exteral lightig ad security equipmet 10,000 Raffle prizes / doated goods for fud raisig 10,000 Replacemet of locks ad keys 1,250 Theft of visitors pushchairs 250 Timber or galvaised sheds used for storage purposes 750 LOSS OF INCOME This isurace provides cover for your loss of icome or extra expese icurred durig the period take for the busiess to retur to ormal followig a loss or damage by ay of the evets covered uder the Property Damage Sectio or, or where closure of the premises is directed by a statutory authority as a result of damage by a isured cover The sum isured should be based o your estimate of the total icome eared over a twelve moth period with allowaces for aticipated growth ad/or iflatioary factors. This isurace provides a automatic sum isured of 200,000 for Full Day Care ad 150,000 for other childcare services. This sum isured may be icreased if it is ot sufficiet. Automatically icluded:- Prevetio of access due to damage to earby premises Compulsory closure due to: 1. The occurrece at the premises of a murder, suicide or other death 2. A outbreak of a otifiable huma disease 3. The occurrece at the premises of food poisoig 4. Defective saitatio, vermi or pests at the premises MONEY This provides protectio for loss of busiess moey whilst at the premises durig workig hours, i a bak ight safe or i the home of a authorised employee as follows:- I your premises or i trasit to the bak durig workig hours 13,500 I the safe out of workig hours 13,500 (subject to adequacy of safe make/model-details available o request) I the premises ot i a safe out of workig hours 500 Busiess Moey i your ow private residece out of workig hours 1,000 Persoal moey belogig to you or ay of your employees o the premises durig workig hours 1,000 6

7 Childcare Isurace Summary ad Guide Policy Summary (cotiued) Automatic protectio for yourself ad your busiess... THEFT BY EMPLOYEE This sectio provides cover agaist the fraudulet act of a employee resultig i loss of moey, securities or goods belogig to you. The limit of idemity provided is 100,000 PROFESSIONAL INDEMNITY This provides cover for third party loss arisig from breach of professioal duty by reaso of eglect, error or omissio committed i good faith by you. The limit provided is 6,500,000 DIRECTORS & OFFICERS This provides cover for legal liability for wrogful acts committed uitetioally i the capacity of a director, officer or trustee of your busiess. The limit provided is 2,500,000. LEGAL EXPENSES This cover, which is provided by DAS Legal Expeses Isurace Compay Ltd (DAS), will pay your legal costs icludig solicitors ad barristers fees, court, costs, expeses for expert witesses, attedace expeses ad accoutats fees. The limit provided is 400,000. Employmet Disputes & Compesatio Awards Legal Defece icludig defece agaist Protectios for Perso s Reportig Child Abuse Act 1998 Property Protectio Bodily Ijury Tax Protectio Udisputed Debt Recovery Cotract disputes i respect of goods ad services purchased durig the period of isurace Statutory Licece Protectio DAS Helplies Commercial Legal Advice Cousellig Helplie for you, your staff ad their families Health ad Medical iformatio BUILDINGS This is a optioal extra which you ca iclude to provide cover for your premises i the evet of loss or damage to your buildigs caused by fire, explosio, lightig, aircraft, earthquake, riot civil commotio, malicious damage, storm, flood, escape of water, impact, theft, glass ad accidetal loss or damage. 7

8 Arraged by RS/CMB7098 (11/11) RSA, RSA House, Dudrum Tow Cetre, Sadyford Road, Dudrum, Dubli 16. Telephoe: Facsimile: (01) RSA Isurace Irelad Limited is registered i Irelad uder umber with registered office at RSA House, Dudrum Tow Cetre, Sadyford Road, Dudrum, Dubli 16. RSA Isurace Irelad Limited is regulated by the Cetral Bak of Irelad.