Family Child Care Legal and Insurance Guide: How to Protect Yourself from the Risks of Running a Business
This easy-to-read guide takes the intimidation out of running a family child care business through legal and insurance planning. From researching and purchasing homeowner’s, liability, auto and disability insurance to protecting against lawsuits, the Family Child Care Legal and Insurance Guide details the many practical ways business owners can maximize their knowledge about the safeguards needed to ensure the health and prosperity of their businesses.
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Legal and insurance strategies for reducing the risks of running a home-based child care business.
IntroductionPart 1Managing Your Business RisksChapter 1Understanding Your Business Risks1Five Strategies for Managing Your Risks2Chapter 2Getting Started As a Business5Comply with the Child Care Rules and Regulations5Set Up Your Business Properly9Chapter 3Reducing General Business Risks13Follow Safe Business Practices13Communicate Clearly with Parents15Communicate Clearly with Your Licensor19Carefully Screen, Train, and Monitor Your Employees23Chapter 4Child Abuse27You Are a Mandated Reporter27Reporting Child Abuse30Protecting Yourself from Allegations of Child Abuse33What to Do If You Are Accused of Child Abuse38Chapter 5Travel and Transportation43Field Trips43After the Children Leave Your Home44Enforcing Your Pickup Policy45Chapter 6Sick and Injured Children49Prevention49Documentation52Insurance52Handling Specific Situations52Sudden Infant Death Syndrome57Part IIInsuring Your Business and Yourself Against RisksChapter 7Understanding Insurance61What Business Insurance Should You Have?64Chapter 8Business Liability Insurance67Who Is Covered?68How Much Coverage Should You Buy?69What Is Covered?70What Isn't Covered?74Other Considerations76If You Aren't Licensed77Business Liability Insurance Checklist78Chapter 9Other Business Insurance79Business Property Insurance79Vehicle Insurance84Employees and Workers' Compensation Insurance87Other Kinds of Business Insurance91Chapter 10Personal Insurance93Health Insurance93Disability Income Insurance94Life Insurance96Long-Term Care Insurance100Chapter 11Buying and Using Insurance101Paying for Insurance103Working with an Insurance Agent109Filing a Claim110Canceling a Policy111Part IIIHandling Legal IssuesChapter 12Custody, Privacy, and Confidentiality115Child Custody Issues115Privacy and Confidentiality118Slander124References and Referrals125Chapter 13Disabilities, Discrimination, and Price Fixing129The Americans with Disabilities Act129Discrimination136Price Fixing140Chapter 14Barriers to Your Business145Housing Barriers145Strategies for Dealing with Housing Barriers151Financial Barriers155Chapter 15Working with a Lawyer159When You Should Consult a Lawyer159What to Do Before You Hire a Lawyer161How to Find a Lawyer162How to Work with a Lawyer164Part IVChoosing a Business StructureChapter 16Business Structure Options169The Four Business Entities170How to Choose a Business Entity173Chapter 17Business Structure Considerations177Record-Keeping Complexity177Business Fees179Control of the Business181Tax Implications182Liability Risks185Which Business Structure Is Best for You?188Considerations in Choosing a Business Entity189Conclusion191Appendix ASample Forms and Policies193Appendix BOrganizations and Resources197Index203
