How the One Preschool Insurance works and what is covered

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Little Lemon Tree, a One Preschool school

One Preschool partners with one of the leaders in Day Care Insurance and they’ve been providing insurance since the 60’s. We work with them to provide all of our Directors great insurance that protect them, their families, and their assets. We tend to partner with providers that work specifically with family child care homes because family child care homes are very unique relative to other businesses.

To operate a family child care home in California, you need to either have liability insurance covering injury to clients and guests in the amount of at least $100,000 per occurrence. Instead of having insurance, a family child care home can also have families sign affidavits signed by each enrolled family. (http://ccld.ca.gov/res/pdf/FamilyChildCareSelfAssessGuideTenantRights.pdf) The challenge with affidavits though is that they do not protect your family or assets if something bad were to happen in the household – which is why we supply liability insurance.

Our insurance providers covers the childcare provider and all residents of the household, employees and volunteers and includes. Here are more details about the coverage.

    1. Limits up to $1,000,000 per occurrence and $1,000,000 aggregate.
    2. Up to $100,000 coverage for child abuse plus legal defense and;
    3. Legal defense only for administrative hearings related to child abuse.
    4. Food preparation (for kids who get sick from food prepared by you or by others).
    5. Dispensing medication (just in case wrong medicine or wrong amount given)
    6. Field trips – parks, playgrounds, outside activities (trampolines excluded)
    7. Swimming pools (without charge, at home or on field trips)
    8. Dogs (except owned Akitas, Bull Mastiffs, Dobermans, German Shepherds, Pit Bulls, and Rottweilers)
    9. Up to $20,000 Accident Medical for each enrolled child injured on or off the premises, including car travel.
    10. Providers own enrolled children covered (excess over other coverage).
    11. $5,000 Accidental Death Benefit.
    12. Up to $10,000 Accidental Dismemberment benefits.
    13. Up to $500.00 per tooth.

How often are providers sued for more than the $1M coverage One Preschool providers receive?

It’s very, very rare. The insurance provider we work with has only seen it once in the 60 years they’ve been in business.

What is a common reason why providers are sued for large amounts?

It’s usually tied to criminal activity by the provider. This is why at One Preschool we vet teachers thoroughly and require them to receive a license which requires a background check.

Are providers sued if kids get injured?

In our experience, children get hurt all of the time and it’s a common issue when dealing with children. Parents tend to be understanding of this unless there is clear negligence. Nonetheless, as a provider, you should be concerned about this and we are as well. Our insurance provides $20K in accidental medical coverage for each enrolled child injured on or off the premises, including car travel. This $20K can be used for doctor visits or medical issues. If you were to get sued, then the $1M liability insurance will kick in.

If you have questions please email us at hello@onepreschool.com

 

How to talk to your landlord about starting your family child care program

 

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Little Robles, a One Preschool School

Figuring out how to work with your landlord is a very confusing and tricky proposition for folks starting their own child care in their home. Interestingly enough – it’s actually pretty simple. In California, a landlord cannot stop you from starting a child care in a home you rent or lease. A Homeowner Association cannot stop you from starting it in a condo you own, or a home in a community that you own. This is because the State of California wants to encourage individuals to start family child care homes because they are a great benefit to communities and neighbors, and landlord tend to overestimate the the issues associated with a family child care home in the community.

Let’s break down the common questions we receive below.

  • Do I need permission from a landlord to start a family child care home? No, you do not.  See section b in the law here: http://codes.findlaw.com/ca/health-and-safety-code/hsc-sect-1597-40.html
  • Do I need to notify my landlord if I start a family child care home? Yes, you do.  They do not have to agree, they just need to be notified.  See section d in the law here: http://codes.findlaw.com/ca/health-and-safety-code/hsc-sect-1597-40.html
  • Can I be evicted if I start a family child care home and my landlord is upset? No, you cannot. It is illegal to do so.
  • Can a landlord increase my rent because I’ve started a family child care home? No, they can’t.  That would be against the Fair Housing and Employment Act. All rent increases must be within the local law.

If you have any questions about this, feel free to email us hello@onepreschool.com

References:

http://ccld.ca.gov/res/pdf/FamilyChildCareSelfAssessGuideTenantRights.pdf

http://childcarelaw.org/wp-content/uploads/2014/06/Know-the-Law-About-Family-Child-Care-in-California-Rental-Property-for-Landlords.pdf

Sole Proprietorship or an LLC? How to choose what type of business entity to form for your family child care

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Open Minds Early School, a One Preschool school

In short, we recommend forming a sole proprietorship and getting family child care insurance. One Preschool provides insurance for all Directors on our platform. We do not recommend an LLC, because it is more complicated and there is less protection. But ultimately, it is your call.

What is a sole proprietorship?

It’s the simplest and most common structure chosen to start a business. It is a business, owned and run by one individual with no distinction between the business and the owner. You do not need to take any action to form a sole proprietorship. You can learn more about it here: https://www.sba.gov/starting-business/choose-your-business-structure/sole-proprietorship

What are the other forms of businesses?

There are many types, but the one that most family child care / daycare / preschool providers consider is an LLC.  It’s common to consider an LLC because a provider wants to protect themselves from any lawsuits. From what we’ve found, the best way to protect yourself is to have a good insurance policy, which One Preschool provides all Directors on our platform.

Why shouldn’t I create an LLC?

LLC’s tend not to protect providers because they are operating the business from their home. Here is how Tom Copeland, Family Child Care guru, explains it:

“First, since you are using part of your home for your business, the business portion is not protected by the LLC. This means that if your Time-Space percentage was 40%, then 40% of your home (and your furniture and other equipment) is business and would not be protected.

Second, since the LLC is a relatively new type of business entity, it’s not clear if child care providers would really get the liability protection that is normally granted a corporation. I’ve heard from lawyers about this, and the law is unclear whether an LLC will protect you in a lawsuit over a major injury to a child.

I don’t recommend setting up an LLC unless you understand the additional fees and record keeping requirements, as well as the possibility that it will not offer you complete personal liability protection. In general, your best protection is to purchase a lot of business liability insurance ($1 million per occurrence and $3 million aggregate).”

http://tomcopelandblog.com/should-you-incorporate-your-family-child-care-business

If you have any questions about this, feel free to email us hello@onepreschool.com

How to mitigate the liabilities of starting your own family child care business

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Little Nest, a One Preschool school

Are you interested in starting your own family child care, but aren’t sure how to navigate all the liabilities that come along with your new business?

Providers tend to have questions about what type of business to form, how to deal with their current or new landlord, and about what type of insurance coverage they will need.

Liabilities exist, but they are primarily mitigated with insurance that One Preschool provides all programs on our platform.

In the next series of blog post, we will discuss:

  1. What type of business entity to form
  2. How to communicate with your landlord
  3. How One Preschool insurance works

Contact us at hello@onepreschool if you’re interested in learning more about how to get support for your in home child care through One Preschool.

An easy way to get kids to eat more veggies and Why doctors are no longer rushing to cut the umbilical cord

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“Let’ s take the baby on a walk!” “Ok, I’ll get her stroller!” @TheCuriousCaterpillar

Happy International Women’s Day! Did you know 98% of early childhood educators are women? Thank you to all the women who keep our world turning and nurture our next generation!

An Easy Way to Trick Kids Into Eating More Vegetables- ScienceOfUs
Having a hard time getting your toddler to eat veggies? Psychologists found in a study with elementary students, that just by presenting vegetables to them first, they were four times more likely to eat them. At the next meal, try presenting one type of food at a time, veggies first!

Think about the average dinner plate, with an main course being orbited by side items. Researchers at the University of Minnesota guessed that despite the general motivation to eat, there are no cues as to what food item to tackle first.

Doctors No Longer Rush to Cut the Umbilical Cord- NYTimes
For generations, obstetricians have been quick to cut the umbilical cord of newborns. That’s changing, and most expectant parents should anticipate at least a short delay before the cord is cut.

In January, the American College of Obstetricians and Gynecologists became the latest major medical organization to formally recommend that doctors routinely wait before clamping and cutting the cord. Waiting at least 30 to 60 seconds allows more blood to return to the newborn during the birth process, when blood vessels leading away from the baby start to constrict, and delivers extra iron, which is critical for a baby’s brain development.

How a Woman’s Organs Shift Inside Her During Pregnancy- Museum of Science
Check out this fascinating interactive image that shows what’s happening inside the body throughout pregnancy.

Advice from author of ‘How to Talk so Little Kids Will Listen,’ and Highest-scoring toys from a toy researcher

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“I gotcha!” @LittleArtisansSchoolhouse

‘How to Talk So Little Kids Will Listen’: Advice from the author- Washington Post
Joanna Faber, the author of the best-selling book, “How to Talk So Little Kids Will Listen” kept hearing from parents things like, ‘I love this approach, but what do I do when my 2-year-old won’t put his shoes on?’ So in this new book, “How to Talk So Little Kids Will Listen: A Survival Guide to Life With Children Ages 2-7,” she sets out a practical guide for situations like these. This interview with Faber talks about why kids tune out parents, the power of playfulness and why giving commands can backfire.

Washington Post: What’s a quick strategy parents can use if they need kids to do something?
Joanna Faber: Kids love it if an adult can be playful. One way is making an inanimate object talk. Instead of clamping down on your 3-year-old’s leg and saying ‘stop squirming’ when trying to get a shoe on, if you can animate the sock and say ‘I feel so flat and empty, won’t someone stick a nice warm foot in me?’ all of a sudden the kid is delighted to stick his foot in the sock. The mood has changed. Instead of fighting we are working together. We are doing it through play.

What the Research Says: Impact of Specific Toys on Play- NAEYC
Trying to decide which toys to buy for your child? Early childhood education researches talk about their toy research and the impact different types of toys have on play. “The most important finding emerging from our studies is that different toys impact children’s behavior in different ways. Some toys have a powerful influence on children’s thinking, interaction with peers, and creative expression. Other toys do not. Some of the toys that look most interesting to adults are not particularly effective in promoting development.”

NAEYC: What message about toys do you think families of young children could take from your research?
Professor Trawick-Smith: We are cautious about recommending specific toys to families. This is because play interests vary greatly across cultures, children and families. However, one trend that is emerging from our studies can serve as a guide to families as they choose toys: Basic is better. The highest-scoring toys so far have been quite simple: hardwood blocks, a set of wooden vehicles and road signs, and classic wooden construction toys. These toys are relatively open-ended, so children can use them in multiple ways. Also, they have all been around for a long time. There may be a reason these toys have been enjoyed by children over the generations! Simple, classic toys would be our recommendation for families.

“It’s really nice that I’m not alone.”- Mom, teacher, and Director of Banana Fana Preschool

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About Gloria Morales Nova, Director of Banana Fana Preschool

Banana Fana Preschool, founded by Gloria Morales Nova, is a Spanish-Immersion, play-based preschool, located in Park Merced, San Francisco. The school interweaves Latin American culture in the curriculum, with themes like “Discover El Salvador,” where kids experience the foods, music, and art of various Latin American countries.

The Challenge:

I wanted to open up a preschool for my son because I couldn’t find a preschool that captured my eye for Isaiah. I was originally going to start working at another preschool where I would have the flexibility of bringing Isaiah with me.  But when I met Vanessa, another One Preschool Director, she said, “Why don’t you open up one yourself?”   I was living in a studio at my mother’s house and there wasn’t any way to do it.  With the help of One Preschool, I decided to go for it and look for a new home where I could start my own program.

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Why One Preschool?

I definitely knew I needed help with the business aspects of running a school.  There are so many hats to put on when you open up your own preschool: director, business owner, teacher, and it can be really stressful!  

The relationship I have with One Preschool team members has been priceless.  Chris has been very available, very attentive, and very quick to respond. Whether it’s questions about payroll, my website, parents, Children’s Council, or anything, he’s available. It shows me that our partnership is really valued. It’s like I have a security blanket.  It’s really nice that I’m not alone.

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It has also been a great opportunity to be in network with other directors who are going through the same experiences as I am.  For instance, Devon has a daughter as well who attends her preschool and was going through the same thing with tantrums.  It really helped knowing that I’m not alone in that.  We can talk about it and give each other advice and reassurance that everything is going to be okay.  I’ve been talking to Kristina, one of the newest teachers and helping her out too. Having this support helps you feel like you can still do this, especially times when you’re just thinking, “What am I doing?”

The Benefits

I’m happy that my school filled so quick and I’ve been very blessed with a great set of kids!  There’s a lot of love in my classroom, and I do think that has to do with how I teach, I show them a lot of love but also firmness. I also knew the income would be decent compared to other jobs, but I’m making more now than I did before and get to stay home with my son.  

 Next Steps

I almost didn’t join One Preschool! My friends kept telling me I could do it on my own, but I can tell you now that I am very grateful that I made the decision to partner.  I’m excited to continue this partnership and grow.  My goal in the next 1-2 years is to become a “large” (a large child care has a capacity of 12 students verses 6 in a small child care). In the next 5 years, my goal is to launch a second Banana Fana Preschool.  I’m not sure how I will do this, but I know One Preschool can help me make that happen.  

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