RP93-395 Liability Insurance and the Family Child Care Provider

Life other small business owners, family child care providers need adequate life, health, and disability insurance to protect their families from the loss of their income. However, child care providers also face unique risks. Perhaps the most important of these risks is the financial loss that would result if the provider were found liable or responsible for the injury or death of a child or a child's parent. If a claim were filed against you as a provider, three different types of financial losses are possible: medical expenses, damages awarded to the victim or his/her family after a lawsuit, and court costs related to your defense. This booklet will help you to: (1) evaluate options for insuring a family child care operation, and (2) evaluate available liability insurance policies.

CROP DEPREDATIONS BY WATERFOWL IN WISCONSIN

On December 5, 1965 the Governor of Wisconsin signed into law a statute permitting claims against the State for damages to crops by wild geese and ducks. This law had been rushed through the legislature in the wake of a rash of crop depredation complaints caused by Canada Geese in their off-refuge feeding flights from the Horicon National Wildlife Refuge. This paper reviews our experiences with waterfowl depredations in the development of a cooperative program by State and Federal wildlife agencies that has held a potentially serious wildlife problem to a minimum of financial losses and public relations concern.