What Is General Liability Insurance?

Insurance is a way to protect yourself when someone makes a claim against you that you are responsible for an injury to them or damage to their property. Through insurance, you can pay for the requested damages without having to tap into your personal finances.

As a business owner, it is essential to have proper insurance to protect your business assets. If someone makes a claim against your business, you could end up losing your business if you don’t have insurance. One of the most common types of business insurance is general liability insurance.

How General Liability Insurance Works

According to the Insurance Information Institute, general liability insurance protects your business against negligence claims. It does not protect you against claims of professional negligence, such as malpractice. It would offer you coverage when someone makes a claim that they suffered an injury on your property or that a product you … Read More

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Guidance For Opening a Daycare Center

If you dream of opening a daycare center in California, it necessary to have experience working with young children. A license and appropriate training and certifications that include the following are also required. 

First Aid Training

Accidents can happen when small children are running, playing and interacting. The Occupational Health and Safety Administration (OSHA) requires all daycare center employees to have first aid training. OSHA compliance training Santa Rosa CA is available privately or through the American Red Cross. Certification courses teach daycare staff to handle cuts and scrapes, broken bones and sprained ligaments, accidental ingestion, bleeding, and various other emergencies until medical assistance is available.

CPR Training

Daycare workers must obtain certification in Cardio-Pulmonary Resuscitation, specifically geared toward children and infants, and adults. Training classes teach the appropriate methods to apply according to an individual’s age.

Blood-Borne Pathogen Training

Exposure to blood in a daycare may be due to … Read More

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