Common employee injuries
Back and shoulder strains, slips, falls, repetitive motion, bites, playground injuries and lifting accidents can lead to medical treatment and lost time. A strong program combines insurance with training and prompt reporting.
Classifications and payroll
Describe duties accurately for teachers, aides, drivers, cooks, maintenance employees, administrators and owners. Payroll estimates, overtime treatment, officer inclusion and multi-state work affect the policy and audit.
Texas considerations
Most private Texas employers may choose whether to subscribe to workers’ compensation, but operating without it can create significant legal and financial consequences. Daycare owners should obtain qualified legal and insurance advice before making that decision.
Return to work
Written transitional-duty options and communication with medical providers can help suitable employees return safely. The plan must respect medical restrictions and the needs of a childcare environment.
Commercial auto interaction
An employee injured in a vehicle accident may involve workers’ compensation, commercial auto and third-party recovery questions. Policies should be coordinated rather than evaluated in isolation.