Do you ever worry about liability?

I have had 2 injuries in one week and it stresses me out. Neither were my fault at all but it still worries me.

1) Boy was running at the school ground on the tarmac (I wouldn't let them go to the playground or the field as it was sheer ice) and he fell and got a huge goose egg on his head.

2) Today DCG was getting up from the kids table and fell and on the way down she hit her forehead and nose on the table. Her nose started bleeding like crazy. This little girl has had a few forehead bumps the yr she has been with me (this was maybe #4 or 5).

It stresses me out. The parents were OK in both situations but you never know. Plus what if something major were to happen like in these news stories. Accidents happen and kids hurt themselves but there is only so much I can do to prevent injuries sometimes (unless I just sat them in front of the TV, then they wouldn't hurt themselves!)

I think everyone worries to a certain degree, it's normal I think especially when you read the news. You can't bubble wrap them, they will all eventually get hurt, as they do at home. But i understand what you mean because they're not our kids, I always worry...but I'm also a worry bug lol

I don't worry so much about the liability part of it as I have insurance that would cover me but I do worry that the parents would think I wasn't doing my job and blame me. (not that it's our fault!! kids have accidents) I (knock on wood) have never had a major accident in my home yet but I'm sure it will come one day!

My other half on the other hand worries that a parent would sue us if something happened. He is pretty anal about things so he always fixes broken things asap, makes sure the walkway is always cleared, ice melt is out etc.

I don't worry about it, I have insurance and make sure my home is safe. Accidents happen and I try not to worry about things beyond my control. I always have parents sign an accident report if anything does happen.

I have had some pretty good accidents with the kids in my care, just last week my 4 year old dcb did a belly flop off the top of a snow hill and landed on his face. He was all scraped up and it looked aweful, but it was an accident and it isn't going to keep me from letting the kids enjoy the best parts of winter play. I just make sure the safety rules are clear for the kids to make sure it doesn't happen again (this dcb loves to fall down on purpose).

Anyone willing to share their accident report with me?

I ask parents to sign an incident report if there is blood/bump/bruise/bandage applied and obviously more severe issues like falls and breaks. In the 2.5 years I've had my hdc, I have had 2-3 reports. Mine is very basic and is the exact same we used in centres. It has the date, time and location of where the accident happened. It has spots where I explain what happened, what I did for TLC and when I notified the parents. They sign it after they have read it. If you PM me your email I can send you what it looks like.

This week I had two different kids just walk right off the edge of a play structure at a park. I was close by but not close enough to stop them first.
Thankfully neither was hurt.
One child is 16 months and the other is almost two. It was bizarre. They are usually very safe and have never done this, makes me wonder if I should be letting them play??

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Originally Posted by torontokids

Anyone willing to share their accident report with me?

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Inbox me your email address and I will send you mine. I have a pretty thorough one as I had a bad incident in the new year and didn't just want a basic record but an in depth record

Bright Sparks, would you mind sending me yours too? I'd like to compare :)

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Originally Posted by bright sparks

Inbox me your email address and I will send you mine. I have a pretty thorough one as I had a bad incident in the new year and didn't just want a basic record but an in depth record

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Would you guys mind sending me a copy as well?

Acorns: I don't let children as young as 16 months climb on the play structure because I can't be right there with them while watching everyone. Usually be 18 months or so I let them go up the small structures depending on their personality (whether they are cautious or totally oblivious to risk). The younger ones have to play in the sand with toys until I allow them to climb.
And yes, Torontokids...I actually worry about this all the time....but I am a worrier! I have never had anything major happen, just the usual bumps and bruises, but i think about it all the time! I have my daycare as safe as possible and I am always on the look-out for anything that could pose a danger, I teach the kids safety rules, etc...but I always feel like anything is possible with kids! I have insurance too...but I know my career as a daycare provider would be over if anything serious should happen and it got in the news or something. Even though I am very careful, I do think about this sometimes! Plus, I think of how horrible I would feel :( But, I also think that because I am a worrier, I probably take less risks than some...so the likelihood is less that one of my dck's will be seriously injured. Maybe you are in the same boat if it makes you feel any better!

I have actually dreamt about accidents in my dayhome !! Ugh !!! I am a freak when it comes to safety !! I need to chill but I am a big time worrier when it comes to bumps and lumps

I frequently have dreams that I have lost one of my daycare kids :( A hazard of the job I guess!

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Originally Posted by sunnydays

I frequently have dreams that I have lost one of my daycare kids :( A hazard of the job I guess!

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A hazard to loose one or dream about it, heh heh

I am a bit of a worrier about this anyways. Because it is just as you said Sunnydays, My business would be done if something happened.

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Originally Posted by Secondtimearound

I have actually dreamt about accidents in my dayhome !! Ugh !!! I am a freak when it comes to safety !! I need to chill but I am a big time worrier when it comes to bumps and lumps

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I'm glad I'm not the only one! My hubby thinks that I stress too much about the simplest things. We're opposites in that way, he's as cool as a cucumber.

Okay folks I just emailed a copy out...hope it's helpful to you :)

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Originally Posted by bright sparks

Inbox me your email address and I will send you mine. I have a pretty thorough one as I had a bad incident in the new year and didn't just want a basic record but an in depth record

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Would I be able to get it as well? TIA bright sparks!

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Originally Posted by Susmar

Would I be able to get it as well? TIA bright sparks!

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just inbox me your email address please

Looking for advice on liability insurance.

Anyone would have ideas on what is best to have here in Alberta?

Thank you!