What injuries are not covered?
The law does not provide compensation for the following conditions: • a mental or nervous injury due to stress, fright, or excitement; • a work related condition that causes an employee to have fear or dislike for another individual because of the individual’s race, color, religion, sex, national origin, age, or handicap; • “pain and suffering” has never been compensable in Florida, nor is it compensable in any other state. The employer may not sue an injured worker for causing a catastrophe nor can the injured worker sue the employer for their injury. This trade-off makes it possible for injured workers to receive immediate medical care, at no cost to the injured worker, without any consideration for who was at fault, the employer or the employee. In civil law, negligence must be established through litigation before any compensation is awarded. • Reference: Section 440.02(1), Florida Statutes Compensation will not be paid in several other instances: • if the injury is caused by the e
Most liability insurance policies will not cover injuries caused by dog or cat bites, using your car to take a child somewhere, giving a child pills or medicine, hurting a child (for example, by spanking hard) or having any kind of sex with a child. Always read your insurance policy and look for exclusions, or things the company will not cover. Even if you have liability insurance, it is important that your program be safe. It is your responsibility to provide a safe environment with good supervision so that children do not get hurt. Parents are more likely to sue you if they think that you have been negligent. Negligent is the legal word used when a person who is responsible for taking reasonable care fails to do so. If a child gets hurt while you are watching television instead of watching your day care children, for example, you may be negligent. COST OF LIABILITY INSURANCE Each year the cost of liability insurance increases. You should get an estimate from an insurance agent. Talk
