What insurance implications are there to chapter babysitting programs?
Many chapter members have contacted us to find out if it is acceptable for them to provide babysitting services as a fundraiser or to just allow chapter members to babysit at the chapter facility. Our response has been that this exposure is not acceptable from an insurance standpoint and the chapter should not participate in or sponsor any activities related to childcare. The insurance company does not contemplate the difficult exposures involved with childcare in your General Liability rates. We cannot support this activity because this exposure is not expected by the underwriting. In addition the potential for physical and sexual abuse exists, and the chapter houses are not furnished with “little ones” in mind.
