Childcare and daycare centers employ teachers, aides, and support staff who face a unique mix of workplace risks including physical strain from lifting children, exposure to illness, and the unpredictable nature of working with young children. Workers comp is required for all childcare employers with employees on the East Coast.
Common Injuries in Childcare Settings
Back and shoulder injuries from lifting and carrying children are the most frequent workers comp claims in childcare. Slip-and-fall accidents on wet floors and outdoor play areas are also common. Illness exposure from close contact with children is significant, and bites and scratches from young children occasionally result in claims as well.
Workers Comp Class Codes for Childcare
Daycare teachers and aides are classified under specific codes that reflect the nature of childcare work. Administrative and kitchen staff at a childcare center may have different codes than classroom staff. Getting each role classified correctly ensures your premium accurately reflects your actual risk.
Licensing and Insurance Requirements
Many states require childcare facilities to carry certain minimum insurance coverages as a condition of their operating license. Workers comp is typically among the required coverages. An independent agent can confirm your state’s specific requirements and make sure your policy is structured to satisfy them.
Get a Free Childcare Workers Comp Quote
Comp Matters Inc. writes workers comp for childcare and daycare businesses across the East Coast. Call (631) 248-2500 for a free quote today.
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