Modern Trade Trends

Many business clients may require that you carry general liability coverage before they will allow you to do business with them. These types of contracts typically require a $1 million per occurrence policy. With this type of policy, your insurance company will pay up to $1 million for a single incident covered under the commercial general liability policy. What General Liability Insurance Doesn’t Cover Employee injuries. You’ll need workers compensation to provide coverage for employee injuries. Auto accidents. For auto accidents while doing business, a commercial see here auto insurance policy will protect you if you own the car and a hired or non-owned auto insurance will offer protection if you use a personal car or rented car for work. Professional mistakes. A professional liability insurance policy will provide protection if you make mistakes in the course of your work. Theft. General liability insurance also won’t cover your business equipment or property against theft or other damages. Is General Liability Insurance Required by Law? Business liability insurance isn’t required by law but by skipping the coverage you’re leaving your business vulnerable to a wide variety of claims—claims that could potentially bankrupt your business. Need more coverage than your general liability policy can give? Consider adding endorsements based on your business needs. Here are examples. Employment-related practices liability. This policy covers wrongful termination and invasion of privacy claims made against you by an employee. Fire legal liability.

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Janet Buckner, a Democrat from Aurora. Before establishing the new Department of Early Childhood [source] sources tell me Education in July 2022, the bill would require a “transition planning process” involving everyone from parents to child care providers to special education providers, Sirota said in an interview. Proposition EE, Sirota explained, was “setting the destination, and now everyone is getting together to plan our route.” The universal-preschool bill will be named after Anna Jo Garcia Haynes , a longtime advocate for improving access to child care and president emeritus at Mile High Early Learning, a Denver provider of subsidized early childhood education. “Anna Jo Haynes has been the wind beneath my wings since I came to the Legislature in 2015,” Buckner said during the news conference. “It’s because of her we’re here today.” Polis, a Democrat, made early childhood education central to his campaign platform in 2018. After taking office in 2019, he signed legislation that prohibited districts from charging families money for full-day kindergarten. In 2020, he signed the bill that referred Proposition EE to voters. In summer 2020, before the election, lawmakers, state agencies, child care providers and parents held discussions about how to implement universal preschool if Proposition EE were to pass, Sirota said. “What really came to the forefront was that the current governing structure is too difficult for our families and our providers to navigate and access what may be available to them,” she said, adding that the group had concerns that establishing a new preschool program could disrupt other existing state programs, like infant and toddler care. The advocates came to the conclusion that the best solution would be to create the Department of Early Childhood Education, which could house all of Colorado’s early childhood programs in one place and be more “user-centric,” Sirota said. Six other states including New Mexico use similar models. Child care challengesIn 2018 and 2019, 1 in 10 young children in Colorado had a parent who reported they or someone in their family had to quit a job, not take a job or greatly change a job because of problems with child care, according to the National Survey of Children’s Health . That figure doesn’t take into account the mothers, fathers and relatives who had to find care for a child whose school closed for in-person classes due to the pandemic. According to a 2020 survey of child care providers conducted by Early Milestones Colorado, nearly 10% of the 1,200 providers surveyed reported they had closed due to the pandemic. Some had reopened, but weren’t sure about their program’s future. Of 11,000 families with children under age 12, about one-third reported lacking needed child care at the time they were surveyed. House Speaker Alec Garnett, a Denver Democrat who has young children of his own, said he knew firsthand how child care in Colorado “can be burdensome, it can be costly, and it can be challenging to access.” Other bills at the state Legislature this year seek to address the child care shortage and barriers to affordable care. One of the central pieces of legislation, House Bill 21-1222 , is close to the finish line. HB-1222—sponsored by Reps. Alex Valdez, D-Denver, and Kevin Van Winkle, R-Highlands Ranch, along with Sens. Jim Smallwood, R-Parker, and Faith Winter, D-Westminster—would require the state, cities and counties to regulate family child care homes like residences.