🚐 Transporting Children in Canada: Are You Covered for the Risks? 🇨🇦
Whether it’s a field trip, school pickup, or daycare drop-off, transporting children carries significant responsibility—and serious risk.
In Canada, childcare providers and early learning centres that transport children must ensure they are properly insured and compliant with both provincial regulations and industry best practices.
⚠️ Key Risks Include:
• Motor vehicle accidents.
• Inadequate supervision during transit.
• Improper use of car seats or restraints.
• Driver negligence or lack of proper qualifications.
🛡️ Coverage You May Need:
- Commercial Auto Insurance – Personal vehicle policies typically do not cover transportation related to childcare services.
- Non-Owned Auto Liability – Covers liability when employees use their own vehicles for work-related purposes.
- Passenger Hazard Coverage – Specifically protects against injuries sustained by children during transit.
- General & Professional Liability Insurance – Crucial for incidents related to supervision or breaches in duty of care.
👀 Best Practices for Safe Transport:
• Verify that all drivers have valid licenses and clean driving records.
• Perform regular vehicle maintenance and safety checks.
• Use clear transportation policies and obtain parental consent forms.
• Ensure all staff are trained in the proper use of child safety restraints.
Transporting children isn’t just a logistical convenience—it’s a high-liability activity. Don’t make assumptions about your coverage. Review your insurance policies and risk management procedures regularly to protect your organization and the children in your care.
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