News and Insight on CareProviders Insurance

Screening Drivers: A risk management primer

clock October 20, 2011 10:46 by author CareProviders
  • Know in advance what criteria disqualify a driving applicant. Examples include x-number of moving violations, specific offenses, minimum number of years with a driver’s license, etc.
  • Photocopy front and back sides of applicant’s valid driver’s license.
  • Ask the driver to complete and sign a questionnaire about his or her driving history and habits—moving violations, accidents, driver training and qualifications, etc.
  • Obtain basic medical information, such as a complete list of all over-the-counter and prescription medication, vision or hearing impairments, etc. Oftentimes this later information is found on the applicant’s driver’s license as well, so review that carefully.
  • Verify applicant credentials with the state Department of Motor Vehicles (DMV). Usually for less than $10, you can obtain a copy of a DMV record, or you can require that volunteer applications bring the report to their interview.
  • Outline and explain your driver safety policies and code of conduct.


Adapted from: FACT SHEET: Programs Featuring Transportation

Volunteers Make a Difference - and YOU Can Too!

clock October 3, 2011 07:43 by author CareProviders

According to the Community Action Partnership, each CAA has an average of 813 volunteers at the agency every year.  Here are some other volunteer facts from Volunteering in America:

  • 62.8 million people volunteered in 2010
  • The top 5 states for Volunteer Rate are UT; IA; MN; NE; and SD
  • The top four activities for service are fundraising; collecting or distributing food; providing general labor or transportation; and tutoring or teaching

How can you help?

  • Donate gently worn clothing.  Or better yet, pick up items for a local agency
  • Donate blood.  Or better yet, organize a blood drive at work or in your neighborhood
  • Support your local police department.  Or better yet, join Volunteers in Police Service
  • Become a volunteer reader.  Or better yet, organize a Reach Out and Read book drive
  • Visit All for Good ( to search volunteer opportunities by zip code

Charity Insurance and a Charitable World

clock September 12, 2011 07:08 by author CareProviders

Charities comprise a crucial aspect of modern life - as a conduit of giving in developed nations and a font of support in both the disenfranchised communities of those nations, as well as developing nations around the globe. Charities remind and motivate people to reach within and nurture their inner grace and generosity. As the largest insurer specializing in Charity Insurance, CareProviders recognizes the challenges such noble causes can face in today's litigious world. Thus the importance of charity insurance - without which many charitable organizations might succumb to exposed liability and unanticipated risk. CareProviders covers a wide variety of charities including:

  • Salvation Army
  • American Red Cross (U.S.)
  • Goodwill
  • Action against Hunger
  • ARC of the United States
  • National Council on Aging
  • National 4-H Council
  • Boy Scouts of America
  • Girl Scouts of the USA
  • Lions Club
  • Toys for Tots
  • Volunteers of America

Sheltered Workshops...a place to work, grow

clock September 6, 2011 09:02 by author CareProviders

A sheltered workshop is an organization that provides employment opportunities for people with disabilities. The word 'sheltered' refers to a protective environment where the disabled can undertake paid, meaningful employment in a supportive atmosphere.

Sheltered workshops came into being approximately 30 years ago with the passage of Senate Bill 52 in 1965. Frank Ackerman, a parent with a child in the state school at Sedalia, became concerned with what the future held for his child after he finished school. Ackerman began a campaign to establish a vocational program in Missouri. His campaign resulted in the passage of Senate Bill 52. Sedalia established the first state authorized sheltered workshop that same year, and many other communities followed.

A sheltered workshop operates much like any other light assembly or service shop, except that the employees are adults whose physical or mental disabilities currently prevent them from competing for regular employment. Employees are paid on a piece-rate basis according to their ability to produce, compared with non-disabled workers who would be paid the prevailing wage for the job. Although most workshop employees earn less than the minimum wage, the workshop provides them a place to perform meaningful work and lead productive lives.

Read more on our website at

Workplace Helpline and the Americans with Disabilities Act

clock August 29, 2011 09:53 by author CareProviders

The Equal Employment Opportunity Commission (EEOC) recently issues its final revised Regulations to Implement the Equal Employment Provisions of the Americans with Disabilities Act, along with accompanying interpretive guidance. These final Regulations interpret the Americans with Disabilities Act of 2008 (ADAAA), which was originally signed into law by President George W. Bush on September 25, 2008, and went into effect January 1, 2009.

The EEOC's Regulations, along with other resources, took effect on May 24, 2011. We encourage you to view an Advisory explaining how these Regulations change the ADA landscape. To learn more about the value of HELPLINE and how to enroll, please talk to your agent and visit the website. Clients already enrolled in HELPLINE can view this month's Question of the Month and ask specific HR risk management and employment law questions directly to attorneys through the HELPLINE website. For access codes, please contact the HELPLINE toll-free at (877) 568-6655. For information on coverage relating to ADAAA services, visit our site and check back on our blog.

Popular Blogs on Care Providers Services

clock August 8, 2011 07:25 by author CareProviders

After exploring many pertinent topics and risks in the field of Care Providers Services, we'd like to share some of our most popular blogs with you:

If you have any further questions about Care Providers liability or risk, check back on our blog or contact us today!

The Importance of Comprehensive YWCA Insurance

clock July 6, 2011 09:04 by author CareProviders

The YWCA is a global network of YWCA centers and communities, a movement of women working for social and economic change around the world. It advocates young women’s leadership, and focuses on peace, justice, human rights and sustainable development. Activities of the YWCA range from local, grassroots efforts to large global projects. It is the largest women’s organization in the world. The full name of the organization is the World Young Women's Christian Association and is currently based in Geneva, Switzerland.

The original Christian focus is still present in many of the national associations, while others have shifted their focus to social programs and services. The YWCA is independent of the YMCA, though many local YMCA and YWCA associations have amalgamated and belong to both organizations while providing the programs of each. The importance of the YWCA to both young women and communities around the world cannot be overstated. Through good deeds and esteem-building, it molds women into leaders and problems into solutions. As the efforts and activities of such an organization are quite diverse, it is crucial to ensure they stay protected. A comprehensive YWCA insurance policy is crucial to minimizing exposure from the predatory, the litigious, and the exploitative. From youth care to community organization, a YWCA must be well-covered to prevent an avalanche of misguided litigation. Without the YWCA, the world would be a much less happy place, and without proper YWCA insurance, there would be no YWCA.

Big Brothers Big Sisters

clock June 27, 2011 09:31 by author CareProviders

Big Brothers Big Sisters of America (BBBS) is a non-profit organization dedicated to helping children reach their potential through professionally supported, one-to-one relationships with mentors. It's one of the oldest and largest youth mentoring organizations in the US. BBBS mentors children ages 6 through 18, in communities across the country. The importance of such programs cannot be overstated. From the disenfranchised to the underpriveleged to the unloved, BBBS provides an opportunity for children to exceed their circumstances, surpassing all expectations and accomplishing great things. Beyond the tangible assistance in companionship, education, and otherwise, there is the invaluable hope that these programs offer. The idea that there are people out there who care about children in need is inspiring to the children, but also to adults who find in this a renewed sense of virtue and duty.

As BBBS is non-profit, it receives government support. But like most non-profits, it does have to stand on its own two feet. Ultimately, operating expenses and recouped costs are important to program success. But perhaps even more crucial is an appropriately organized and insured program. BBBS facilities must undergo inspection to be insured. In this process, important best practices are explored regarding liability and sustainability of the oranization. Consulting an expert is crucial to understanding BBBS through the eyes of a liability specialist. And without such best practices in place, liability exposure can lead to massive legal suits ultimately resulting in the closure of many branches. Beyond the liability is the added bonus that, in addition to staying open and helping more kids, a BBBS with such best practices in place will usually find that they enhance their ability to help children in need. Thus finding comprehensive nonprofit insurance or Big Brothers Big Sisters insurance is integral to the continued success of such superb organizations.

Top 3 Blogs for Care Providers Insurance

clock June 13, 2011 07:08 by author CareProviders

We've been blogging for a while now here at Care Providers Services, and we'd like to point you in the direction of a few of our most popular blogs for care providers, program insurance, senior services, and family services.

If you have any questions about CareProviders Services or our blogs, contact us.

Car Seat Recommendations From

clock June 7, 2011 15:11 by author CareProviders

Child safety comes in many forms. Care providers in many disciplines should know the basics about child safety, including the use of car seats. It may seem simple and mundane, but it is neither, and can certainly save a child's life in the event of an accident. Following these NHTSA guidelines makes the difference.

Birth – 12 months: Your child under age 1 should always ride in a rear-facing car seat. There are different types of rear-facing car seats: Infant-only seats can only be used rear-facing. Convertible and 3-in-1 car seats typically have higher height and weight limits for the rearfacing position, allowing you to keep your child rear-facing for a longer period of time.

1 – 3 years: Keep your child rear-facing as long as possible. It’s the best way to keep him or her safe. Your child should remain in a rear-facing car seat until he or she reaches the top height or weight limit allowed by your car seat’s manufacturer. Once your child outgrows the rear-facing car seat, your child is ready to travel in a forward-facing car seat with a harness.

4 – 7 years: Keep your child in a forward-facing car seat with a harness until he or she reaches the top height or weight limit allowed by your car seat’s manufacturer. Once your child outgrows the forward-facing car seat with a harness, it’s time to travel in a booster seat, but still in the back seat.

8 – 12 years: Keep your child in a booster seat until he or she is big enough to fit in a seat belt properly. For a seat belt to fit properly the lap belt must lie snugly across the upper thighs, not the stomach. The shoulder belt should lie snug across the shoulder and chest and not cross the neck or face. Remember: your child should still ride in the back seat because it’s safer there.

These guidelines are crucial not only for parents but of course for care providers as well. All adults responsible for the welfare of children should be intimately familiar with these guidelines and others set forth by the federal government regarding child safety law. It not only the law, it’s the right thing to do.

About the author

Care Providers Insurance Services, a division of NSM Insurance Group, has been providing comprehensive coverages for those that care for others for over 25 years. Our program is a full package commercial insurance package with built-in enhancements and coverage extensions using a top rated national carrier. Available in all states, Care Providers Insurance Services is designed for organizations that provide a broad base of services to the community. Generally, the services provided include all forms of counseling, workshops, outreach, special education, in-home services, residential treatment facilities, group homes, charter schools, underprivileged youth and senior programs, services for client intervention and referral for government assistance programs. To learn more just visit our site!

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