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Child Care Insurance

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Mission Statement For A Child Care Center

Mission Statement For A Child Care Center
A mission statement is concise statement that outlines the objectives, goals, and outlook of a business or organization. Mission statements can be found in everything from handbooks of Fortune 500 companies to websites of many Internet businesses.
An organization or business that does not have a mission statement is seemingly a business or organization without a clear plan and goal. Therefore, when parents are considering using a daycare business, a childcare center or an in-home childcare service, they should look for and read the mission statement carefully.
The objectives of a childcare center  should be clearly outlined in their Mission Statement For Daycare Center. This action will clearly allow the parent to know the intended goals that the center has for their children and themselves. Failure to include these objectives or to have a mission statement at all could demonstrate a lack of cohesion or direction within the foundation of the center.
A day care should have a mission statement that clearly states who their stakeholders in the organization are intended to be. Hopefully, these stakeholders will include the workers, parents, children and the community within which they operate. By placing these groups as stakeholders, the day care center is clearly identifying who they are most interested in caring for and to whom they provide services.
When a day care offers a mission statement that includes a clear outlook for the operation of the organization, it leaves little room for interpretation. This is vital to the prospective parent because it allows them to understand the day care center’s outlook on childcare and the implications this outlook should have on their children. Without a mission statement, the outlook of the day care center can only be assumed from observation or conversation.
Example Mission Statement For A Child Care Center 1
The XYZ Childcare Center exists to provide a safe, developmentally appropriate environment for preschool and school age children. Our focus is to provide a stimulating early care and education experience, which promotes each child's social/emotional, physical and cognitive development. Our goal is to support children's desire to be life-long learners.
Mission Statement
Example For A Child Care Center 2
The mission of the XYZ Care Center is to provide safe, affordable, high quality child care for the students of Hudson Valley Community College and the community. IN doing so, we support families in their efforts to reach their goals. The Viking child Care Center provides a cognitively based program for children ages six weeks to five years. We provide a home like environment where children are encouraged to develop at their own pace. The Viking staff is committed to the families we serve, providing support and encouragement.
Or, you can Build Your Own Mission Statement For A Child Care Center at this link:



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Summertime Safety Tips For Day Care Drivers

Summertime Safety Tips For Day Care Drivers

Summertime is a great time for family fun because many folks are doing their favorite outdoor activities like going to the beach, or attending parties. Some of their activities require driving, which is why we put together some safety reminders for summertime fun.

As we all know, children are out of school this time of year and playing in their yards near the street. They could suddenly dart after a ball and perhaps get injured in an accident. This is why drivers need to be more mindful about watching out for children while driving in a residential zone.

Therefore, our first tip is to always follow the recommended speed limit in a residential zone and to always be ready to stop quickly when necessary.

In addition to children being near the street, adults will be using the side of the road for bicycling, skating and walking. We should also watch carefully for them when driving on the street or pulling out of the driveway.

Our second tip is to remember to check your mirrors, the side of the road, and other areas around the car for pedestrians or bicyclers when driving or backing up.

There are more motorcyclists out on the road during the summer too. Motorcycles are smaller than cars, which means people fail to see them at times.

Our third tip is to keep a watchful eye out for motorcycles

High temperatures and road delays can lead to fatigue, stress, and aggressive driving. To reduce your chances of being involved in a road rage incident remember to use common courtesy and consciously avoid actions that can provoke other drivers.

Also, take steps to reduce your own stress. Try to understand why other drivers are behaving the way they are. Think about the consequences of your behavior before you react to their negative behavior.

Our third tip is to watch for aggressive driving. Don’t be a road-rage statistic.

More aggressive driving at

Summer is also a busy time of the year for road construction. Expect delays and detours. If you live in Ohio be sure to check these web sites for construction zones and anticipated delays.

Our fourth tip is to remember that fines are doubled when traveling in a work zone. Slow down and be careful. Road construction areas are the source of many dangerous accidents today.

Finally, be sure your insurance coverage is adequate. Many people are shocked when they find out after an accident that they are not covered for certain expenses like towing, car rental, or even enough medical.

These days even a small accident can result in large damages. This is why it is wise to have a professional agent periodically check your policy declarations and limits.

The folks at Janasko Insurance Agency are experts at locating the best coverage for their clients, but at the lowest possible cost.

We hope theseSummertime Safety Tips For Day Care Drivers help to keep you and your family safer this summer!

Would you like to speak with an agent about checking your policy and lowering the cost of your driving insurance? Give Janasko Insurance a call now at 1.440.245.6268 or visit our website at

Ohio Child Care Assistance Title XX

Ohio Child Care Assistance Title XX
One of the biggest problems any single parent faces is child care. Today, more and more married couples find themselves dealing with this tough situation, especially if they are low income familes. Now there is help. It is called Ohio Child Care Assistance or Title XX.
At times the problems incurred by the difficulty in finding affordable home care, can cause a parent to want to give up on the idea of finding or getting a job.
But there are options and the very best of these in the state of Ohio can be found at the department of Job and Family Services.
Often, parents stop looking for work or decide not to continue with their education because of a lack of childcare options. In truth, there are very adequate options in the  state of Ohio, but many parents just don’t know where to go to find them.
As a single parent, even one who may work at home or goes to school, you should know that the state of Ohio can help with child care expenses.
However, options vary and are dependent on the income you make, whether you are considered low-income, and whether you are a single parent or not. So each individual case must be analyzed individually.
The best place to start is by calling the Department of Job and Family Services (CDJFS) in your community. The county family services employee can inform you of the programs you are eligible for, which can either pay child care services in totality or partially.
This department can also inform you of special school aged programs like after school programs, head start or other services which you are eligible for. If your child is not school aged, there are still options available including full coverage of a home provider (either a relative or non-relative.)
Of course, in most cases you can expect to pay for part of the expenses of child care. This is called a co-payment or fee, but the state of Ohio will also help you with part of this fee. The amount you are expected to pay will differ and be dependent on your income and whether you work or go to school.
In the case of students who are currently on Ohio Works, formally known as OWF, ADC or welfare, you could still be eligible for child care, but must be actively enrolled in a school program.  
Those parents who no longer receive OWF cash assistance, or who have never been on the program can still receive help through the child care program, if they meet the low income requirements.
However, you won’t know what amount you are eligible for, unless you visit your local Ohio Department of Job and Family Services to find out more about Ohio Child Care Assistance, also known as Title XX.

Prevent Carbon Monoxide Poisoning At A Daycare Center

Prevent Carbon Monoxide Poisoning At A Daycare Center

Silent but deadly; Although that phrase has a humorous connotation, when it comes to carbon monoxide poisoning it is not at all far from the truth.
Carbon monoxide is a colorless, odorless, tasteless, and poisonous gas that cannot be detected without a device kmown as a CO Detector.
CO is produced as a byproduct of combustion from cars, fireplaces, gas stoves, gas water heaters, and the like. In other words, it is produced and discharged by the incomplete burning of fuel, such as propane, kerosene, gasoline, oil, natural gas, wood and charcoal.
Whenever this byproduct of combustion is not vented properly a dangerous concentration of carbon monoxide gas builds up. This build up of gas is what causes carbon monoxide poisoning. For this reason it is wise for home baby sitters and childcare facility operators to understand what it is and how to prevent it.
Since carbon monoxide poisoning is usually not newsworthy, much of the public is not cognizant of the dangers that carbon monoxide poses to the interior of homes and businesses like daycare centers.
The under reported truth is that more than 20,000 individuals are treated for over-exposure to carbon monoxide every year. Some of them are children at childcare centers.
Similarly, each year averages 61,000 carbon monoxide incidents. And, last but not least, the scariest statistic of them all is nearly 500 people die from this silent but deadly killer every year. 89% of these incidents occur in the safety of someone's home or business.
Fortunately, the dangers of carbon monoxide poisoning can be curbed through the use of carbon monoxide detectors. A close cousin of smoke alarms, these detectors can protect kids while they are at a childcare center against the dangers of carbon monoxide poisoning. However, they are not reliable in all situations.
For instance, when a CO detector is placed near a corner or where there is poor air circulation it is not likely the alarm will go off properly. Also, when a detector does not receive proper maintenance there is a very good chance it will not be in good enough condition to detect the correct carbon monoxide levels. And of course, if the unit is battery operated the cells will need to be checked and replaced periodically.
For these reasons, it is not enough to rely on technology to keep you and the kids under your care safe from carbon monoxide poisoning. Everyone should know and recognize the symptoms of carbon monoxide poisoning. The symptoms are:
  • Nausea
  • Dizziness
  • Vomiting
  • Weakness
  • Fatigue
  • Headaches
  • Chest Pain
  • Confusion
  • Respiratory Problems
  • Neurological Problems
  • Loss Of Consciousness
Neurological problems and loss of consciousness are the two most dangerous symptoms of carbon monoxide poisoning at a daycare center because they can lead to death.
Therefore, if you or anyone near you seems to be experiencing any of the symptoms above it is imperative to evacuate the child care center immediately and then call 911.
Becoming aware of the dangers that carbon monoxide poisoning presents to safety is the first step toward living without its danger. More resources and further information about carbon monoxide can be easily found in various places on the Internet.
Here links to some good resources:
Becoming an educated childcare provider is the first step toward preventing the build up of carbonaceous fumes and the resulting heath hazards associated with them. Buildings such as a day care facility should be well ventilated and inspected regularly for carbon gas leaks.
In conclusion, understanding how to prevent carbon monoxide poisoning at a daycare center is as simple as installing the proper gas detector in all rooms, having routine maintenance done on all fuel burning mechanical systems, and staying alert for the symptoms mentioned above.

How To Prevent “Flesh-Eating” Bacteria At Daycare Centers

How To Prevent "Flesh-Eating" Bacteria At Daycare Centers
Children can become quickly ill at a daycare center. All one needs to do is observe how simple coughs and colds can spread. This is why daycare center operators take their cleaning routine serious. They want to do everything they can to prevent the spread of germs by using a quality disinfectant on hard surfaces, bleach in the laundry, and antibacterial soap to wash hands.
Another concern at daycare centers is the spread of bacterial infections --like Strep. Streptococcal pharyngitis, streptococcal tonsillitis, or streptococcal sore throat, is a type of pharyngitis caused by a group A streptococcal infection. It affects the pharynx including the tonsils and possibly the larynx. Common symptoms include fever, sore throat, and enlarged lymph nodes. It is the cause of 37% of sore throats among children
However, what most people do not know is that there is also a very dangerous and agressive form of Strep known as necrotizing fasciitis, or ‘flesh eating bacteria’. This is why child care providers need to know How To Prevent "Flesh-Eating" Bacteria At Daycare Centers.
Necrotizing fasciitis is a bacterial infection that agressivly attacks the soft tissue of the body. It also ravishes the fascia, which is the sheath of tissue covering the muscle layers below.
In order for a person to get an NF infection, the bacteria must be introduced into the body. This typically involves a minor trauma. However, a mixed bacterial infection can and does happen after surgery. But typically, a person has an, abrasion, contusion, scrape, cut, or other kind of opening in the skin that allows the bacteria to enter. Nonetheless, spontaneous cases been reported.
Recently, a Georgia college student named Aimee Copeland contracted necrotizing fasciitis after falling during an outting. The fall left a gash in her left calf, which is believed to be the entry point for the necrotizing fasciitis. Within days her left leg amputated and she was near death. Therefore, knowing how to prevent "flesh-eating" bacteria at a daycare center is vital to the safety and well being of the children under care.

The National Necrotizing Fasciitis Foundation has released the following tips on How To Prevent "Flesh-Eating" Bacteria At Daycare Centers:

  • Frequent Hand-Washing
  • Immediate Medical Treatment For Wounds
  • Thorough Cleansing Of A Wound
  • Using An Antibacterial Ointment
  • Limited Contact With Anyone Having A Strep Infection
  • Teaching Children The Need For Cleanliness
"The single biggest preventative measure though, is keeping the skin intact," the foundation says. Therefore, day care operators should always be on the lookout for sharp objects and other items that can cut the skin.
As usual, wiping down hard surfaces with a bleach and water solution goes a long way toward killing most bacteria including Strep. The most important thing to do, however, is to follow closely a regular cleaning schedule and to be through.

We hope these tips on How To Prevent "Flesh-Eating" Bacteria At Daycare Centers is helpful.

Indemnity Coverage For Child Care Providers

You should always have good workers for a day care center that have passed a security check. They should all be finger printed and should be free from any arrest records. Everyone wants the best care for his or her children. No one wants to take chances with the children’s care. A good daycare center will do all of the background checks and finger printing on the people that work for them. They should also monitor their workers.

The same thing goes for insurance coverage for child care and child care providers. If your company is taking care of other’s children, you should always have insurance. Children getting hurt on playgrounds or falling down while running are common mishaps. These things happen no matter how good a care provider is watching the children. Parents sometimes do not believe the children were supervised adequately, if there is an injury. A daycare center, or child care in home should invest in the indemnity coverage for child care and workers. Ohio has fantastic day care and in-home care centers that offer excellent childcare and each of these have the indemnity coverage in case of accidents.

Children tend to fall off toys or playground equipment, fall when running or are hit or bit by other children. Parents do not understand that this happens while someone is watching the child and will cause problems with the child care center. A good insurance plan will cover children while they are at the day care. Some policies offer at home-continued coverage, paid for by the parents. The day care center will need to make sure that all of the children are safe and if accident happens, the day care will be responsible for the medical bills incurred.

Child care is a dangerous thing without insurance coverage. People sue every day if their child is injured while at day care. The day care center would be responsible to pay any medical bills that came with the child injured while in their care. Insurance coverage can cover things that happen, even the things that send the child to the hospital or doctor’s office. If a child falls off the monkey bars and breaks their arm, someone is responsible. Someone has to pay when the child has to go to the hospital to get his or her arm checked. The parents feel this is the responsibility of the child care or in-home care center in Ohio. Indemnity coverage for children’s care.

It is not uncommon for folks owning a daycare business to have their Indemnity bill slashed by almost 40%

Find out how by using the more info box at the top right.

Baby Sitting Liability Insurance for In-Home Day Care

Baby Sitting Liability Insurance
Large day-care centers are becoming out of financial reach for the average working parent. As fuel prices rise it seems as though everything is being affected. The cost of Child Care is no different. The overall price tag to raise a child and to place them in a daycare center nowadays has been steadily on the rise for more than a decade.
According to CNN Money, The cost of raising a child from birth to age 18 for a middle-income, two-parent family averaged $226,920 last year (not including college), according to the U.S. Department of Agriculture. That's up nearly 40% -- or more than $60,000 -- from 10 years ago. Just one year of spending on a child can cost up to $13,830 in 2010, compared to $9,860 a decade ago.

The early years are among the toughest for parents who must find a way to afford all of those costs, plus child care.

"It takes half of my paycheck to pay for my child care -- you start to feel like, Is this even worth it?" said Anna Aasen, a mother of two from Roseburg, Ore.

Although housing generally represents a family's largest expense, putting more than one child in day care tips the scales.

This is why parents are turning to in home baby sitting services. Parents find out they are able to afford in-home day care and have money left over at the end of the week. They also feel less concerned for their child's safety. However, there is one thing that parents still expect an in home baby sitting service to have.  Baby Sitting Liability Insurance.
Simply put, a homeowner still needs to have baby sitting liability insurance for in-home day care just in case one of the children are injured while in the sitters care.
Most homeowners have liability insurance, but if they are babysitting in their home, even for just one child, then they need to have baby sitting liability insurance for in-home day care providers. By adding this type of insurance the homeowner is being responsible and accepting the fact that anything can happen to a child while in her care.
Every adult knows that babysitting a child in the home means the child will have access to every room in the house which could result in an injury. This is why having Baby Sitting Liability Insurance is so important.
Since children are known to explore and try new things no matter how well the babysitter tries to keep an eye on them at some point there will be a mishap. If the child becomes seriously injured the friend whom you were babysitting for could sue you for personal injury to their child. By having baby sitting liability insurance you will not have to be concerned about losing any of your property because the insurance company will pay for the injuries for the child.
Though serious accidents do not often happen in any type of day care setting by baby sitting at home with no insurance coverage, you are putting everything you own at risk. Remember that your typical homeowner policy will not cover an accident that occurred within the home day-care center. So be sure to have baby sitting liability insurance before you open the doors to any child you will be babysitting.

At Janasko Insurance, we are the in-home day care specialists! We have joined together with West Bend Agency to offer our exclusive Baby Sitting Liability Insurance for In-Home Day Care providers. Now, you can get top rated coverage at the lowest possible cost.

We want to help baby sitters lower their insurance bill by up to 37% RIGHT NOW!

To find out how to save on baby sitting liability insurance simply fill out the form above on the top left, or follow this LINK to recieve more information and a FREE gift, The Circle Of Safety Book.



We work hard to save you money

Useful Tips for Purchasing Child Care Insurance

How To Purchase Child Care Insurance

When looking to purchase insurance for a child care center, it is extremely important to select the proper child care insurance for you child care center. All child care insurance coverage is not the same and there are different types of programs to choose from. The right child care insurance will cover and fully protect when accidents happen.

There are different types of accidents that can occur such as a child injury inside or outside on the property, water damage or pipes bursting in the facility and a devasting storm could come through and damage the property as well. The child care insurance is offered to licensed child care centers, nursery schools, preschools, Before and After school programs, child day care centers and many other types of child care facilities.

Tips on purchasing child care insurance:
  1. You will want to make sure that the insurance company is well known and check with the "BBB".
  2. Does the insurance offer any type of a high crisis response team who will step in on unexpected conditions.
  3. Will the insurance company offer your child care center advice on how to make a safier place. Not only just for children, but for the staff as well.
  4. The liability coverage is very important. Will it cover for any type of sexual abuse, all injuries for its staff, its visitor's and children? If you are sued for any type of reason, will you be covered?
  5. Licensed insurance companies are only recommended and always make sure that the insurance coverage is for the location of you facility.
  6. Another very important part of is to do your homework and make sure that prompt handling of claims are done. You want an insurance company that is on top of things and not beating around the bush or setting things aside.
  7. Make sure that the insurance company that you select is financially able and stable enough to pay out on the claims that may be made.

By following all of these important tips, this should help you have a great start on selecting the best insurance for your facility. Each child care facility is different and there are many different types of programs offered.

While you are here be sure to pick up your free gift, the Circle of Safety book. Simply fill out the form at the top right. Plus, To save big money on your childcare liability insurance give is a call at (440) 245-6268. We now have Special Group Rates just for day care providers. Yes, you can now save up to 37.5 percent over what you are paying now.Limited time.

Daycare songs

ABC Song
Sticky Bubble Gum
Circles and Colors
Electric Colors
Bus Action Song
Head, Shoulders, Knees, and Toes
If you're happy and you know it
Peppa pig
Elmo Song
Cookie Monster Sings C is for Cookie
The Number 20 Song
Find The Letter A
Jimmy Kimmel, explains the word "sibling" The Elephant Song

In-Home ChildCare Liability Insurance

In-Home ChildCare Liability Insurance in Ohio

Nowadays, more and more folks with childcare experience are babysitting in their homes to make money or to supplement their retirement income. This can be great deal for parents that do not want to put their children in a traditional childcare facility. However, an in-home daycare provider should know up front that their homeowners insurance might not be enough to protect them in the event of an injury or disaster. They will need an insurance policy that is specifically designed for in-home daycare providers.

Having In-Home ChildCare Liability Insurance provides protection up to the policy limits for any type of property damage, bodily injury, or physical harm, caused to the children in your home.

Some policies can have medical payments built-in. This can give the daycare provider a great sense of security and give the parents some peace of mind knowing that their children are protected.

In the past, buying an in-home child care liability policy was unaffordable for the average in-home childcare provider. This has changed today though. Your local Janasko Insurance agent in Ohio has partnered with West Bend Insurance to create special protection just for in-home child care providers. These policies offer the exact coverage they need at tremendous savings.

For more information about becoming an in-home child care provider, visit

To find out more about this exciting new program that can offer you affordable In-Home ChildCare Liability Insurance simply use the more information box at the top left.

At Janasko Insurance, we are the in-home day care specialists! We have joined together with West Bend Agency to offer our exclusive Liability Insurance for In-Home Day Care providers. Now, you can get top rated coverage at the lowest possible cost.

We want to help baby sitters lower their insurance bill by up to 37% RIGHT NOW!

To find out how to save on baby sitting liability insurance simply fill out the form above on the top left, or follow this LINK to recieve more information and a FREE gift, The Circle Of Safety Book.



We work hard to save you money