10/15/2026
Some days, advocating for early educators means staring at an insurance email and thinking, “How are business owners supposed to keep doing this?”
Better yet, "How am I supposed to keep doing this?"
Today was one of those days.
An insured received a lengthy list of mandatory loss control requirements, including:
▪️ Implement workplace drug and alcohol testing—in a state where ma*****na is legal, adding another layer of complexity.
▪️ Install finger pinch guards on every door—a significant expense.
▪️ Fix the uneven surface in the parking lot that poses a trip hazard to families—a responsibility of the landlord.
Bottle warmers made the list, too, as if the state's multiple regulations regarding their use and safety isn't already enough.
But here’s what frustrates me most: We disclosed this information when we applied for the insurance. The carrier had answers about what this business did and did not have in place before agreeing to insure it.
Not one of these items was identified as a requirement to bind coverage.
That was the opportunity to say, “We can offer this policy, but here are the changes you’ll need to make and the deadline for completing them.” Then the owner could consider those expenses alongside the premium and make an informed decision.
Instead, they’re already committed to an annual policy and now have 45 days to comply or risk losing their coverage.
How can owners budget for the true cost of insurance when part of that cost isn’t revealed until after they’ve purchased it at a much higher expense than they were prepared for?
Don't get me wrong, I support meaningful safety measures. Protecting children, employees, and the businesses serving them is exactly why I do this work. I also believe owners deserve clear expectations before making a financial commitment!
Early educators are already stretching budgets, navigating staffing challenges, and working to keep their doors open. An unexpected compliance list comes with real costs, real work, and real anxiety.
I’ll be advocating for this owner, asking questions, and pushing for a reasonable path forward. But I’m going to be honest: days like this make it hard to keep doing what I do.
