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 baby-sit at the chapter facility. This exposure is not acceptable and coverage is excluded from the insurance program. The chapter should not participate in or sponsor any activities related to childcare either at the chapter house or elsewhere.

The insurance company does not contemplate the difficult exposures involved with childcare in your General Liability rates. We do not support this activity because this exposure is not expected by the underwriting. In addition the potential for physical and sexual abuse exists, chapter members are not necessarily trained appropriately, and the chapter houses are not furnished with “little ones” in mind.