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Vancouver Island Regional Website
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INSURANCE FOR CHILD CARE PROVIDERSPacificCARE offers Child Care Providers Group Benefits and Business Liability Insurance CANADIAN GROUP BENEFIT PROGRAMSProtection for you, your family and your employees! PacificCARE offers child care providers access to disability, health and dental benefits Please select here if for more information Please contact the broker tedjames@shaw.ca or call 250-667-4459 Please contact PacificCARE if you prefer the broker to contact you 1-800-565-6510 ********************************** BUSINESS LIABILITY INSURANCE For Child Care Providers in British Columbia Are you a child care provider in the province of British Columbia, and a member of your local child care resource and referral program? Yes? Then you are able to purchase your business liability insurance through us. We are proud to have been working closely with Coastal Community Insurance Services (2007) Ltd our Broker to get the best rates possible for you.The Pacific Child & Family Enrichment Society arranged this Policy for the use of child care providers who are registered or subscribing to a Child Care Resource and Referral Program, to provide security for the child care providers and their employees/volunteers who are governed by Provincial Laws, Licensing Regulations, or Child Care Resource and Referral Program Standards. It is recognized that there is a direct link between professional development and a reduced risk factor. We are pleased to announce that we are able to offer varying liability coverage ($2 million, $3 million, $4 million, and $5 million) with a deductible of $1,000 Please call PacificCARE at 1-250-756-2022 or 1-800-565-6510 to discuss premiums. Premiums will be pro-rated on a monthly basis for those clients who purchase insurance throughout the policy term, for quotes, please call PacificCARE. The insurance is available to child care providers who reside in BRITISH COLUMBIA and are linked with Child Care Resource and Referral Programs. INFORMATION ABOUT THE POLICY CONTENT Please call Coastal Community Insurance Agencies direct at Phone: (250) 703-4232 Toll: 1-877-705-4232 Fax: (250) 703-4252 for enquiries regarding the policy content For terms and definitions of the group policy please select above plan that is renewable annually with an insurance effective date of October 1. APPLICATION FORMSVICTORIA, SOOKE, COWICHAN VALLEY PACIFIC (includes POWELL RIVER)
Other Forms required for New applicants include: Please include copy of your current license -----------------------
*Optional Property Coverage* Commercial Insurance Information For a very minimal premium (as low as $15) you can add property coverage to your policy to create full business insurance protection. Coverage limits start at $25,000 with deductible options of $500 or $1,000. The addition of property includes earthquake, flood and sewer back-up coverage as well as the Deluxe Property Extension Endorsement.Please select one of the following for additional information:
Complete if you have changes to your original information. for example address, or name changes Complete the form and returned along with relevant documents to prove your change. Please view instructions on form. Cancellation form and Refunds (select) If you are cancelling your insurance, or closing your facility, Please complete and return promptly to PacificCARE CCRR. Note: Refunds for cancellations and closures are calculated and paid by Coastal Community Insurance Agencies, please view cancellation form for details. Incident Report Form(select) Incident reports must be completed immediately an incident occurs, please be sure to mail or, fax a copy to Coastal Community at 250-741-3176, or to PacificCARE at 250-756-2021 of any incidents that may be crucial to a future claim. Licensed facilities may include a copy of their report to licensing. Survey Form(select) We would love to hear your views, please complete the survey and return to us by fax, or mail. Please call PacificCARE at 1-800-565-6510 if you need assistance, or information. ********* PAYMENT OPTIONS Certified Cheque/Visa/MasterCard/American Express Payments made by MastercardVisa/AM may be faxed to 1-250-756-2021. Note: Premiums are pro-rated monthly throught the policy term therefore, if you are purchasing less than one year of coverage contact PacificCARE prior to submitting your forms. ********* CENTRAL AND NORTH VANCOUVER ISLAND and POWELL RIVER clients must contact PacificCARE Child Care Resource and Referral to register, call 1-888-480-CARE (2273) VANCOUVER ISLAND, SOUTH OF LADYSMITH Forward Application, Proof of Registration and Liability Insurance Questionnaire and forward to PacificCARE along with your payment at 3156 Barons Road Nanaimo BC, V9T 4B5. You may fax 1-250-756-2021 if paying by VISA, MASTERCARD or AMERICAN EXPRESS MAINLAND AND REMAINDER OF BC Forward Application, Proof of Registration and Liability Insurance Questionnaire and forward to PacificCARE along with your payment at 3156 Barons Road Nanaimo BC, V9T 4B5. You may fax 1-250-716-2023 if paying by VISA, MASTERCARD or AMERICAN EXPRESS Call PacificCARE at 1-800-565-6510 for premium quotes. Call Coastal Community Insurance Agencies direct at Phone: (250) 703-4232 or, Toll: 1-877-705-4232 for insurance regarding policy content.
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Insurance - Best Practice Liability Insurance protects the child care provider in the event that they are sued for negligence arising from their activities as a child care provider. Physical injury to a child is the most likely reason for a suit. To be protected from such financial claims, it is advisable to have appropriate and adequate insurance coverage. Child care providers can be lulled into a false sense of security with the belief that, "The families I provide care for would never sue me". It is important to note that in some cases it may not be the parents who file a lawsuit, but another insurance company, or lawyer. It is good business practice to have adequate liability insurance. Child care providers generally find that purchasing liability insurance individually is a very expensive proposition. Pacific Child & Family Enrichment Society provides access to a group liability policy plan designed specifically for child care providers in BC. Coverage is offered at a much lower rate than would otherwise be possible if you were applying as an individual. Maintaining regulatory safety standards and completion of annual professional development are factors in determining eligibility. The Plan The insurance company underwriting the liabiity policy is Aviva Insurance Company of Canada. The policy provides upto five million of liability with inclusive limits of general liability to cover registered child care providers and will cover injuries, accidents or property damage 'deemed' to be caused by the negligence of the child care provider. (Please note that negligence is assigned by the courts, rather than by personal opinion) Child care providers are covered under most circumstances, however, the insurance may not respond in the event of actions such as child abuse, battery and non-compliance with Provincial Laws, Licensing Regulations, or Child Care Resource and Referral Program Standards. (trampolines are not covered under this policy contract) Automobile and ICBC Coverage does not include automobile accidents. It is recommended that you check with ICBC to ensure that you are properly covered before transporting children in your care as vehicle accidents do happen. It is recommended that child care providers have a minimum liability coverage of two million ($2,000,000). A valid driver's license is a requirement. ICBC estimates that 80% of all children are not buckled up adequately. If you are using a child restraint device (car seat), ensure that you have secured the seat properly and the child is safely harnessed. For more information about car seat checks contact 1-877-247-5551. Homeowner's Policy Child care providers who are homeowners and have insurance coverage for their home and contents should advise their insurance agent that they are doing child care in their home. For those child care providers who are renting, the owner of the building is not responsible for damage or loss due to the operation of a child care facility. Sexual Molestation Exclusion This insurance contract does not include coverage if the caregiver, employee, or volunteer is accused of sexually molesting a child. Visiting Children Providers must remain in compliance with regulations when other children are visiting during the hours of operation. Visiting children are those children that could be sent home at anytime, (e.g. neighborhood children). These children may not be covered by the liability insurance. ************ |
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 3156 Barons Road, Nanaimo, BC V9T 4B5 1-888-480-CARE, or 1-800-565-6510
Website by: bcAdvice.com |
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