Junior Employees, Senior Risks: Managing General Liability This Thursday
Hosting Take Our Daughters and Sons to Work Day (April 23) is a fantastic way to build community and culture. However, from a Business Insurance standpoint, having minors in a workplace—especially one with machinery, chemicals, or heavy equipment—requires a careful “Risk Audit.”
- General Liability vs. Workers’ Comp
Children are visitors, not employees. If a child is injured at your office, it falls under your General Liability policy. Ensure your limits are adequate, especially if you are hosting a large group.
- The “Attractive Nuisance” Factor
In the insurance world, things like forklifts, tall shelving, or even a revolving door can be considered “attractive nuisances” to a child.
- The Fix: Designate “Off-Limits” zones clearly. If your business is industrial, host the children in a conference room or a partitioned safe area rather than on the shop floor.
- Permission Slips and Waivers
While it may seem overly formal, having parents sign a simple “Participation Waiver” is a best practice. It outlines the risks and ensures the parent agrees to supervise their child at all times, which provides an extra layer of defense for your business.
A successful event is one where the kids learn something new and everyone goes home safely!
