'Coronavirus Contingency Planning'

[loocyloo]

me again! I can't believe I'm getting so caught up in this. I'm usually very laid back and 'what will be will be' ... but the constant bad news in the press & social media about Corona is starting to worry me.

had an email from my LA ... about 'Coronavirus Contingency Planning'

it mentions talking to your insurance company about 'temporary business disruption cover' ... I'm with pacey for my public liability; I don't have any other insurance, so therefore won't be covered for this ... is any childminder ? ( randomly, i was thinking about taking out critical illness cover or payment protection cover ( probably not the right name! ) a few weeks ago, but didn't/haven't done anything about it )

and then it says check information about “temporary Coronavirus business interruption loan scheme” ... well ... as far as i can see ... if banks give people a loan, to cover this period i guess, then they will get up to 80% paid to them from the gov't ... but i can't find out exactly how we'd apply/get the money and then how we'd have to pay it back etc!

Budget delivers help for businesses to battle coronavirus | This is Money

also reading this ... it talks about statutory sick pay ... which, as self employed people, we don't get ... we have to go through universal credit.

and

[Mouse]

One thing I've seen said about the situation in Italy is that they didn't really take it seriously until it was all a bit late. At least we seem to be a bit more prepared.

I'm not one to panic, but I do think it's wise to start thinking about implications now, especially as cases are getting closer.

I saw some discussion on Facebook about whether or not insurance companies will pay out for loss of revenue, but I don't know if there was a final yes or no answer. I guess now is the time to be finding out.

[loocyloo]

One thing I've seen said about the situation in Italy is that they didn't really take it seriously until it was all a bit late. At least we seem to be a bit more prepared.

I'm not one to panic, but I do think it's wise to start thinking about implications now, especially as cases are getting closer.

I saw some discussion on Facebook about whether or not insurance companies will pay out for loss of revenue, but I don't know if there was a final yes or no answer. I guess now is the time to be finding out.

public liability insurance won't cover loss of revenue ... you would need 'temporary business disruption cover' ... i'm guessing that maybe nurseries have it, as they have bigger overheads than we do. If people have the higher level of insurance from early years alliance, then they are covered for loss of revenue ( but don't know if they are covered for this ), but not basic. I'm with pacey and only have public liability, so not covered.

[FussyElmo]

Personally i think the insurance companies will find any excuse not to pay out as it may cost millions unless the government help.

I see so many people switch their insurance policies or take on income protection which more than likely be a sub clause saying you are not covered for so many months of the cover starting or for known outbreaks etc.

[loocyloo]

Personally i think the insurance companies will find any excuse not to pay out as it may cost millions unless the government help.

I see so many people switch their insurance policies or take on income protection which more than likely be a sub clause saying you are not covered for so many months of the cover starting or for known outbreaks etc.

exactly! I would have thought that anyone taking out insurance now will not be covered, whatever happens!

[mumofone]

Personally i think the insurance companies will find any excuse not to pay out as it may cost millions unless the government help.

I see so many people switch their insurance policies or take on income protection which more than likely be a sub clause saying you are not covered for so many months of the cover starting or for known outbreaks etc.

I need to renew my insurance any day. I doubt any of the insurers are adding new clauses to their policies to cover this though.

[Mouse]

public liability insurance won't cover loss of revenue ... you would need 'temporary business disruption cover' ... i'm guessing that maybe nurseries have it, as they have bigger overheads than we do. If people have the higher level of insurance from early years alliance, then they are covered for loss of revenue ( but don't know if they are covered for this ), but not basic. I'm with pacey and only have public liability, so not covered.

Morton Michel covers for loss of revenue in certain circumstances. This is the section people were debating:

Compulsory Closure – the compulsory closure by
a public body after the discovery of a notifiable
human infectious or contagious disease, foreign
matter in food or drink provided at the premises,
defective sanitation, the presence of vermin or
pests or an occurrence of murder, manslaughter,
suicide or rape at the premises, up to £1,000.

I agree with Fussy though, I'm sure insurance companies will do anything to avoid paying out, especially if the government is jumping in to pay out!

[FussyElmo]

Mm have come out and said because its not on the list of notifiable diseases its not covered.

I read from martin lewis this morning that if you are booking holidays to read travel insurance carefully as some companies are removing travel disruption from their policies

[Mouse]

Mm have come out and said because its not on the list of notifiable diseases its not covered.

Coronavirus (COVID-19) listed as a notifiable disease - GOV.UK

It was made a notifiable disease a week ago.

[mumofone]

Anyone know of any childminders or nurseries that are shutting their doors due to Coronavirus?

[Mouse]

Anyone know of any childminders or nurseries that are shutting their doors due to Coronavirus?

There have been a few playgroups and toddler groups that have closed locally, but I don't know of any childminders or nurseries yet.

[FussyElmo]

Anyone know of any childminders or nurseries that are shutting their doors due to Coronavirus?

I know a few childminders have closed their doors but they either have health issues or family members who do. So a sensible decision.

Other than those few cases it seems to be business as normal

[FussyElmo]

Latest from Ofsted

I know that the spread of COVID-19 is worrying and poses challenges to you as childminders. We completely understand that you will be thinking about how you can continue to offer childcare for your children and their families, while planning how to deal with problems caused by the virus. To help answer some of your questions, please take a look at the government’s latest guidance for educational/childcare settings: COVID-19: guidance for education settings - GOV.UK

Can I provide childcare for extra children? This is one question you have been asking and the EYFS already allows for this. Childminders can make exceptions to the usual ratios – i.e. care for more children under five years for example. What the EYFS doesn’t allow you to do is care for more than a total of six children aged under eight -see parts 3.30 and 3.42 here: Early years foundation stage statutory framework (EYFS) - GOV.UK.

At Ofsted, we continue to follow government guidelines – but what does this mean in practice? Are we continuing to inspect?

We are required to continue with our inspection and regulatory activity. However, this means that if an inspector calls to say your inspection is due, the first thing they will do is find out how you are dealing with any problems caused by the virus and take this into consideration. I hope you will have seen that we have updated our guidance on deferring an inspection: Deferring Ofsted inspections - GOV.UK

We’re monitoring the current situation closely and are in daily contact with the Department for Education. Keep looking at this page because we will let you know of any updates.

We know that childcare is of course a key issue for the country and I thank you for continuing to play your part.

Gill Jones, Deputy Director, Early Education, Ofsted.

[mumofone]

Latest from Ofsted

I know that the spread of COVID-19 is worrying and poses challenges to you as childminders. We completely understand that you will be thinking about how you can continue to offer childcare for your children and their families, while planning how to deal with problems caused by the virus. To help answer some of your questions, please take a look at the government’s latest guidance for educational/childcare settings: COVID-19: guidance for education settings - GOV.UK

Can I provide childcare for extra children? This is one question you have been asking and the EYFS already allows for this. Childminders can make exceptions to the usual ratios – i.e. care for more children under five years for example. What the EYFS doesn’t allow you to do is care for more than a total of six children aged under eight -see parts 3.30 and 3.42 here: Early years foundation stage statutory framework (EYFS) - GOV.UK.

At Ofsted, we continue to follow government guidelines – but what does this mean in practice? Are we continuing to inspect?

We are required to continue with our inspection and regulatory activity. However, this means that if an inspector calls to say your inspection is due, the first thing they will do is find out how you are dealing with any problems caused by the virus and take this into consideration. I hope you will have seen that we have updated our guidance on deferring an inspection: Deferring Ofsted inspections - GOV.UK

We’re monitoring the current situation closely and are in daily contact with the Department for Education. Keep looking at this page because we will let you know of any updates.

We know that childcare is of course a key issue for the country and I thank you for continuing to play your part.

Gill Jones, Deputy Director, Early Education, Ofsted.

Ah, thank you for this :-)

[Mouse]

As expected, all except one parent has been OK with my policy. I knew she'd be the only one to disagree. She think it's all a 'big fuss over nothing'.

This is the parent who always pushes the rules when her son is ill, thinks he is a little angel (everyone else is to blame for his behaviour) and finds it very inconvenient when I take any time off (despite me giving plenty of notice). I really won't be sorry if she decides this is all too much for her and leaves

[mumofone]

As expected, all except one parent has been OK with my policy. I knew she'd be the only one to disagree. She think it's all a 'big fuss over nothing'.

This is the parent who always pushes the rules when her son is ill, thinks he is a little angel (everyone else is to blame for his behaviour) and finds it very inconvenient when I take any time off (despite me giving plenty of notice). I really won't be sorry if she decides this is all too much for her and leaves

What's your policy Mouse? What does she not like? She sounds like hard work!

[Mouse]

What's your policy Mouse? What does she not like? She sounds like hard work!

My policy basically says that I'll exclude any child who has a new, continuous cough or a temperature above 37.5. I won't accept a child who has been give paracetamol or who needs it through the day to control their temperature. I've also said that exclusions are non-negotiable. I won't accept teething as a reason for a fever!
I've also said my fees policy still applies so if I exclude a child, full fees are due.

This mum is saying all children gets coughs and colds and it's only adults who need to be concerned if they have symptoms. She is a parent who doses her child up with Calpol, knowing they should really be at home and who puts all illnesses down to teething. She's also the only one who ever questions having to pay when her child is off ill, despite it being in the contract.