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24-Hour Child Care Insurance | Morency & Associates

Our child care forms and coverages are reviewed annually, and we develop and adapt our insurance products to meet the changing needs of the child care industry.

When a claim occurs, our claims and legal professionals have decades of experience.

Please call or email if you have any questions or to set up an appointment for a free comprehensive review of your insurance.

By taking the time to discuss your needs, he can tailor an affordable business insurance solution that offers peace of mind, yet still deliver a quote quickly.

If you prefer to complete our questionnaire, it’s easy to get started on your quote.

Our online questionnaire works great on smart phones, tablets, desktops and laptops.

Just click to get started…

To receive your quote…

• Complete the questions
• Click “Submit” when you’re done.
• You’ll get a “Thank you” screen to tell you we received the form.

Property & Casualty

Our Child Care Program protects your business with these Property & Casualty insurance coverages:

• General Liability
• Professional Liability
• Abuse & Molestation
• Abduction Coverage
• Dispensing Medication
• Food Preparation
• Field Trips
• Property
• Crime
• Business Income and Extra Expense (Actual Loss Sustained)
• Auto
• Umbrella

Requirements:

• Must be Licensed or Certified Childcare Operations (Registered in Iowa)

Exclusions:

• Trampolines

Liability

General Liability

• Limits up to $1 million per occurrence/$3 million aggregate – occurrence, not claims-made
• Automatically includes Childcare Professional Liability
• Premises & Operations
• Products & Completed Operations
• Personal & Advertising Injury
• Damage to Premises Rented to You (Fire Legal)
• Medical Payment Expenses coverage of $10,000 per student
• Medical Payment Expenses coverage for volunteers
• Defense Costs outside the limit of liability
• No Liability deductibles (BI or PD)
• Abduction coverage without BI or PD – $50,000
• Professional License Review – $2,500 per review / $5,000 aggregate
• Volunteers as Additional Insureds
• Building Owner as Additional Insured

Optional Coverages:

• Abuse & Molestation Coverage
• Water Activities Coverage
• Employment Practices Liability (stand-alone policy available)
• Employee Benefits available up to $1 million (claims-made coverage)

Property

When we write your Building and Contents Coverage, the following property coverages are included:

• Business Income – Actual Loss Sustained – including tuition and fees (no waiting period or deductible)
• Communicable Disease / Water Bourne Pathogen (Business Income) – $50,000
• Computers and Media – $25,000 (higher limits available)
• Covered Property in the Open – up to 1,000 feet from premises
• Spoilage – $10,000
• Employee Theft (including Employee Benefit Plans) – $5,000 (higher limits available)
• Extra Expense – Actual Loss Sustained
• Fine Arts – $25,000
• Forgery and Alteration – $5,000
• Money and Securities (inside / outside) – $15,000 / $7,000 (higher limits available)
• Ordinance or Law Coverage – if RCV coverage applies
• Outdoor Fences – included
• Outdoor (attached) Signs – included
• Outdoor (detached) Signs – $10,000 (higher limits available)
• Personal Property of Others – $25,000
• Property at Conventions, Fairs or Exhibitions – $50,000
• Property in Transit – $25,000
• Utility Services Direct Damage, including overhead transmission lines – Full Coverage
• Equipment Damage for electrical and mechanical system malfunction
• Valuable Papers and Records – $250,000
• Water Back Up; Sump Pump Overflow – $25,000
• Workplace Violence – $100,000

Other Coverages

Optional Coverages:

• Abuse & Molestation – Included in IL (optional in IA, IN, KS, KY, MI, MN, MO, NC, OH, TN, VA, WI)
• Water Activities Coverage
• Dog and Cat Liability Coverage (Family Centers)
• Directors & Officers (Not-for-Profit)
• Employment Practices Liability (stand-alone policy available)
• Employee Benefits available up to $1 million (claims-made coverage)
• Workers Compensation

Umbrella Coverage:

• Umbrella – limits up to $10,000,000
• Optional Abuse & Molestation

Auto, Van & Bus Coverage

• Commercial Vehicle Coverage
• Hired Auto Liability
• Non-Owned Auto Liability

Payment Plans

Our specialty business insurance coverages offer convenient, no interest payment options with flexible payment terms. So it’s easier to manage your bottom line.

Flexible Payment Terms—Pay as little as monthly

Choose the payment option that fits your budget. Because sometimes a smaller monthly payment is easier on you.

• Monthly (12 payments)
• Down payment plus 9 equal payments (10 payments)
• Quarterly
• Semi-annual
• Annual

Convenient, No Interest Payment Options

Pick the method that works best for you…

• Electronic funds transfer—$1 fee per installment
• Online or by phone—$7 fee per installment

Prefer to Manage Only One Bill?

Complete coverage may be available for your business insurance needs in one comprehensive insurance package.

Call or email Kevin Morency today and receive a quick turnaround on your quote.

Note: Some payment options may not be available in all states.

Loss Prevention Services Include

• Reality Alerts – information based on claims we see often and how to avoid them
• Facility Walkthroughs
• Employee and Volunteer Training

Child Protection – Reporting Child Abuse and Neglect

DCFS has the primary responsibility of protecting children through the investigation of suspected abuse or neglect by parents and other caregivers in a position of trust or authority over the child.

Call the 24-hour Child Abuse Hotline at 800-25-ABUSE (800-252-2873) if you suspect that a child has been harmed or is at risk of being harmed by abuse or neglect. If you believe a child is in immediate danger of harm, call 911 first. Your confidential call will not only make sure the child is safe, but also help provide the child’s family the services they need to provide a safe, loving and nurturing home.

In non-emergency situations,

anyone may report suspected child abuse or neglect using the new




Online Reporting System. 

Download the Protecting Children poster in
English,
Spanish,
Polish and
Arabic.

What are child abuse and neglect?
Child abuse is the mistreatment of a child under the age of 18 by: 

• A parent or their romantic partner;
• An immediate relative or someone living in their home;
• A caretaker such as a babysitter or daycare worker; or
• Any person responsible for the child’s welfare, such as a health care provider, educator, coach or youth program volunteer.

The mistreatment can either result in injury or put the child at serious risk of injury. Child abuse can be physical (i.e. bruises or broken bones), sexual (i.e. fondling or incest), or mental (emotional injury or psychological illness).

Neglect is the failure of a parent or caretaker to meet “minimal parenting” standards for providing adequate supervision, food, clothing, medical care, shelter or other basic needs.

Reporting Child Abuse and Neglect
If you suspect abuse or neglect you have a social responsibility to report it to the hotline. In addition, state law requires that most professionals in education, health care, law enforcement and social work report suspected neglect or abuse. These individuals are called Mandated Reporters.

Mandated reporters include:

The list also includes: supervisors and administrators of general assistance under the Illinois Public Aid Code. Other mandated reporters include social workers, social service administrators, substance abuse treatment personnel, domestic violence program personnel, crisis line or hotline personnel, foster parents, homemakers, recreational program or facility personnel, registered psychologists and assistants working under the direct supervision of a psychologist.

The above list is not exhaustive; for a comprehensive list of all mandated reporters, see the
Abused and Neglected Child Reporting Act.

Anyone may report suspected child abuse or neglect using the
Online Reporting System; or by calling 1-800-25-ABUSE in an emergency situation.

Download the Online Reporting poster PDF:
8.5 x 11 or
11×17.

Mandated reporters are required to complete the
CANTS 4 or
CANTS 5 form and
email it to DCFS to confirm their reports of abuse/neglect.

In an effort to assist mandated reporters understand their critical role in protecting children by recognizing and reporting child abuse, DCFS administers an online training course entitled
Recognizing and Reporting Child Abuse: Training for Mandated Reporters, available 24 hours a day, seven days a week.

For more information about the guidelines for mandated reporters in Illinois, read the
Mandated Reporter Manual in
English or
en español.

State law protects the confidentiality of all reporters, and your name is never disclosed. You may still choose to make a report anonymously, but the inability of investigators to follow-up with you to obtain additional information may impede our investigation and the child’s safety. The law protects you from civil liability for any call made in good faith.

What if I’m not absolutely sure abuse is occurring?
Unfortunately, as much as 70 percent of child abuse goes unreported, and a child tells an average of seven adults that they are being abused or neglected before a report is made. Every delay in reporting suspected abuse or neglect increases the likelihood that abuse will become more serious, or even deadly, and that the perpetrator will abuse additional children. By trusting your own senses, common sense and instincts, and calling the hotline whenever you suspect a child has been harmed or is at risk of harm, you can ensure a child is safe and that her family is getting the help they need.

To prevent unnecessary investigations, hotline calls are screened by trained social workers to determine whether they warrant investigation for abuse or neglect. Of the more than one million hotline calls received over the past four years, only about one in four resulted in a formal report and an investigation. Many of the calls that do not lead to investigations are often directed to referrals that connect families with community-based programs aimed at preventing abuse. When formal investigations do occur, only four percent result in children being removed from their homes.

In most cases where abuse or neglect are indicated, DCFS is able to provide services to the family that allow the child to remain in the home safely, provided the abuse or neglect is reported to the department soon enough to intervene.

For more information about the guidelines for reporting child abuse or neglect, read the
Care Enough to Call brochure in
English,
español or
Chinese (中国).

Illinois law also calls on DCFS, in cooperation with school officials, to distribute posters throughout Illinois schools to let children know where they can turn for help. Download the
You are not alone posters in
English or
en español for more information.

School personnel may also print the

Mandated Reporter Poster for Schools and display them in high-traffic areas in school buildings as a reminder to all teachers, administrators, school board members and other school employees that they are required by law to report suspected child abuse or neglect.

Additional resources:
Mandated Reporter Poster – Social Worker
Mandated Reporter Poster – Educators
Mandated Reporter Poster – Police
Mandated Reporter Poster – Medical
Mandated Reporter Poster – Clergy

Note: Any person who knowingly transmits a false report to the department commits the offense of disorderly conduct under subsection (a)(7) of Section 26-1 of the Criminal Code of 2012. A violation of this subsection is a Class 4 felony.” (Source: P.A. 97-189, eff. 7-22-11; 97-1150, eff. 1-25-13.)

Child Care – San Francisco Daycare

San Francisco Daycare – Happy Halloween!

Our unique family child care services are designed with your busy schedule in mind! San Francisco Daycare specializes in extended hour programs and supplemental child care programs! 

Call or text us today @ (415) 346-9800

Check Out Our Family Daycare PROGRAMS & FEATURES!

Before School Program

Daycare Transportation

Before School Program

Do you have to choose between getting to work on time OR dropping your child off at school? Need Before School Care?  We’ve Got You Covered!

Learn More

After School Program

Daycare Transportation

Before School Program

Are you still at work when your child gets out of school? Do you need After School Care and Daycare Transportation? Well Look No Further!

Learn More

Daycare Transportation

Daycare Transportation

Breakfast, Lunch & Snacks Included!

Do you need a Before or After School Program that offers Daycare Transportation? No worries! We’ve Got You Covered!

Learn More

Breakfast, Lunch & Snacks Included!

Breakfast, Lunch & Snacks Included!

Breakfast, Lunch & Snacks Included!

All meals and snacks are included with your child’s enrollment!

We provide Snacks, Breakfast, Lunch and Dinner (depending upon which program your child is enrolled in).

We also provide all Infant Formula, Diapers and Wipes!

Fun, Engaging Activities!

Breakfast, Lunch & Snacks Included!

Fun, Engaging Activities!

Did you know in a child care setting your child can experience 30+ developmental activities on a daily basis?  

San Francisco Daycare offers fun and engaging activities aimed at stimulating and developing your child’s social and intellectual growth. 

We Accept the Following:

Breakfast, Lunch & Snacks Included!

Fun, Engaging Activities!

Does your family need assistance covering your child care tuition? No worries!

Our Family Daycare Accepts:  4C’s, Cal-Work’s, Children’s Council & Wu-Yee!

Apply Now! Call OR Text Us Today!

(415) 346-9800 

Apply Now!

Searching For Family Child Care in San Francisco

Finding The Right Family Daycare or Child Care Center You Need!

Searching for child care in San Francisco can be an absolute chore.  

Whether you are looking for a family daycare or a child care center next to your home, your job or school, the search can be tedious and daunting.  

San Francisco is filled with busy, multi-tasking parents who are either working, in school or both! 

Sometimes parents need additional child care programs that offer extended hours that align with their busy, demanding schedules. 

The need for supplemental child care programs to work in conjunction with a parent’s 10 to 12 hour day, is becoming the new normal. 

In order for San Francisco parents to keep up with the demand on their professional life, the need for supplemental child care services to work in conjunction with their child’s traditional school or daycare hours is a necessity for many families.

So whether you need before school child care an after school program that offers daycare transportation or evening child care. San Francisco Daycare can help!

Apply Now For One of Our Amazing Programs!

Get Started Today With San Francisco Daycare!

Welcome To Our Family Daycare!

Welcome To Our Family Daycare!

Welcome To Our Family Daycare!

Discover San Francisco Daycare’s AMAZING child care programs and never struggle with before or after school solutions for your child again!  

Need daycare transportation? Enroll Now!

ENROLL NOW!

Evening Child Care – Awesome!

Welcome To Our Family Daycare!

Welcome To Our Family Daycare!

Need Evening Child Care? We’ve got you covered! 

Let San Francisco Daycare help you with your evening child care needs! 

We Accept: Cal-Work’s, Children’s Council, ELS and WuYee!

Get Evening Child Care Now!

Apply Now in 3 Easy Steps!

Welcome To Our Family Daycare!

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1. Give us a Call or send us a Text to: (415) 346-9800 

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Permian kindergartens plan to open round-the-clock groups – RBC

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Euro exchange rate as of October 15
EUR CB: 62. 47

(-0.12)

Investments, 14 Oct, 16:01

Dollar exchange rate on October 15
USD CB: 63.06

(-0.44)

Investments, 14 Oct, 16:01

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Perm

Avoiding misjudgment: Daniel Kahneman and colleagues explain

Pro, 09:24

In Donetsk, they announced that a HIMARS rocket hit the administration building

Politics, 09:21

An air alert was announced in the Kyiv region and other regions of Ukraine

Politics, 09:05

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8 books set in different cities of Russia

Life, 09:00

Dollar futures are cheaper than the currency itself: is it possible to make money on it

Investments, 09:00

Xi Jinping’s decisive party congress kicks off in China

Politics, 09:00

Military operation in Ukraine. Online

Politics, 08:51

Explaining what the news means

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Why in case of a stroke it is necessary to have time to get into the “therapeutic window”

Partner project, 08:44

Donetsk administration building damaged by shelling

Politics, 08:41

Air defense system went off in Nova Kakhovka

Politics, 08:26

Xi Jinping calls for a ‘world-class’ army by 2027

Politics, 08:09

Scanner for accidents: how to make analysis of accidents more accurate and faster

Partner project, 07:42

A military satellite launched by Angara was entered into the register of space objects

Technology and Media, 07:26

Gladkov said that not a single Belgorod citizen died during the shooting at the training ground

Politics, 07:09

www. adv.rbc.ru

www.adv.rbc.ru

www.adv.rbc.ru

Photo: RBC Perm

Municipal kindergartens in Perm are planning to open round-the-clock groups for children of mobilized children and employees of defense enterprises. Such a group will be opened in the kindergarten that the child attends, as requested by the parents. This was announced in his Telegram channel by the head of Perm, Alexei Demkin.

In addition, kindergartens are preparing to receive children of employees of defense enterprises who work in shifts / irregular hours on Saturday and Sunday from 07:00 to 19:00. In each district, the addresses of buildings of preschool institutions where such groups will be opened have been determined. To enroll in a round-the-clock or duty group, you will need to write an application addressed to the head of the kindergarten.

In total, there are 13 kindergartens on the list, in which it is planned to organize duty groups.

Authors

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RBC Perm

Perm region
Permian
kindergartens

www.adv.rbc.ru

Khabar 24 – News of Kazakhstan and the world for today

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• Sport: Kazakhstan grappling team won the

  World Championship

• Society: Over a hundred sturgeons rescued from poaching nets in the Mangistau region

• Incidents: A particularly dangerous criminal escaped from a pre-trial detention center in Almaty

• Society: More than 100 events will be held on Republic Day in Zhetysu

• Politics: A meeting of the Council of CIS Heads was held in an expanded format

• Politics: A meeting of the Council of the Heads of State of the CIS Member States in narrow format was held under the chairmanship of K.

  Tokayev

The Presidents of Kazakhstan and Turkmenistan held talks in narrow format

What issues did the leaders of the CIS countries discuss in Astana

The forecast about Asia has become a reality – Tokayev

CICA countries will unite “green corridors”

News of Kazakhstan

All news

“> Economy

A plant for the production of reinforced concrete products was opened in the Akmola region

15.10.2022, 20:47

The plant for the production of reinforced concrete products “SG Beton” was opened in the Akmola region on the eve of the Republic Day. The main products of the enterprise will be piles and slabs. It is expected that the facility will become one of the largest in terms of capacity in the country. Parts ready for the construction of residential complexes are planned to be delivered to different regions, including the capital, says the Khabar 24 correspondent.

“>Culture

Kazakh ensemble “Turan” performed in Seoul

15.10.2022, 20:03

The performance of the Kazakh ethno-folklore ensemble “Turan” opened the Asian Song Festival in Seoul, “Khabar 24” reports.

“>Policy

14 important documents were signed by Kazakhstan and Turkmenistan

10/15/2022, 16:11

Kazakhstan and Turkmenistan signed 14 important documents at once. Among them is the Joint Statement of the Presidents, in which the heads of state advocate the further development and strengthening of a trusting and mutually respectful political dialogue. As well as a comprehensive program for bilateral cooperation, designed for the next two years, as well as a number of memorandums between the ministries of the two states, Khabar 24 reports.

“>Policy

Presidents of Kazakhstan and Turkmenistan held a briefing for media representatives

15.10.2022, 15:29

Upon completion of the talks in the narrow and expanded formats, President of Kazakhstan Kassym-Jomart Tokayev and President of Turkmenistan Serdar Berdimuhamedov held a briefing for representatives of the media, Akorda reports.

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Van Gogh painting splashed with soup in London

10/16/2022, 01:55

Van Gogh’s masterpiece painting “Sunflowers” was doused with soup. So London…

A press conference dedicated to the 20th Congress of the Communist Party of China was held in Beijing

15. 10.2022, 22:25

Tomorrow the opening of the All-China Congress of the Communist Party will take place in Beijing.…

Turkey mine explosion: death toll rises to 41

10/15/2022, 21:57

According to the latest data, 41 people died at the mine in the province of Bartın…

SpaceX team returned to Earth

10/15/2022, 21:45

The manned spacecraft launched by SpaceX returned safely to Earth, reports …

Incidents

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A suspect in the murder of a man was detained in Pavlodar

10/15/2022, 23:11

The suspect in the murder of a man was detained in Pavlodar, Polisia.kz reports.

Kurmangazy police seized about 2 tons of illegally caught fish

10/16/2022, 03:26

During the Bekire-2022 OPM, Kurmangazy police officers seized about 2 tons…

A particularly dangerous criminal was detained in Almaty

10/15/2022, 18:00

A particularly dangerous criminal was detained in Almaty. Recall that the man escaped from …

The cause of death of saigas is being investigated in Western Kazakhstan

10/14/2022, 21:01

Dead saigas were found by Okhotzooprom employees in the Zhanibek district, a correspondent reports…

TV projects

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Interview

Expert on the consequences of geopolitical conflicts

13. 10.2022, 21:05

Mukhit Asanbaev, Leading Researcher, KazISS

Interview

CICA Summit: what did the leaders of the countries talk about?

10/13/2022, 12:40

Bekzhan Sadykov, Leading Researcher, KazISS under the President of the Republic of Kazakhstan

Fact Check

Payouts, defunct bill, investment, livestock and hurricane vaccinations | Fact Check

12.10.2022, 13:30

In this edition of the “Fact Check” program, we will analyze the following fakes: – Public employees are entitled to payment of 90 thousand tenge from the Fund “Kazakhstan Khalkyna”; – Video with a denomination of 60 thousand tenge…

Interview

Labor mobility. Olzhas Ordabaev

11.10.2022, 21:05

Olzhas Ordabaev, Vice Minister of Labor and Social Protection of the Population of the Republic of Kazakhstan

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MBDOU “Kindergarten No. 114” Sunflower “Nizhny Novgorod. Senior age ( 5

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• DISTANCE LEARNING FOR THE PERIOD OF SELF-ISOLATION
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DISTANCE LEARNING FOR THE PERIOD OF SELF-ISOLATION

May

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Interactive task

http://vospitatel. com.ua/zaniatia/ranniy-vozrast/mebel-podborka-igr-i-uprajneniy.html

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0-production-app-host-sas-web-yp-187&redircnt=1586763312.1

Senior groups

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