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Old 01-06-2017, 07:57 PM
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Default Workers Comp?

What company do you use for your workers comp? Mine goes up every year and anytime I try to get quotes, I get told home daycares are not covered because it's too high risk. Thanks!

Last edited by sahm1225; 01-06-2017 at 07:57 PM. Reason: Misspellings!
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Old 01-09-2017, 10:51 AM
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Because the risk is high, most providers have to go through the state to get worker's comp. I'm not sure what state you're in, but if you go to your state government's workers comp division website, you should be able to find a link.
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Old 01-09-2017, 06:59 PM
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I'm in Illinois. Can I ask why the risk is considered high? It's not like we're trampoline testers!
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Old 01-10-2017, 11:01 AM
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Workers comp companies consider child care workers high risk, because there is a lot of bending and lifting, and there is a higher risk of tripping over toys and/or children. Employees can also be bitten, hit, have things thrown at them by children. So the insurance companies see it as higher risk than, say, an office environment.
You run a home daycare, correct? It looks like in Illinois the state uses Tristar for their workers compensation. The phone number they give on the website is (312) 445-8700. You might try giving them a call and see if they can help you.
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