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United Campus Ministry papers, 1970-1972

1971-05-10 Melrose Daycare Center Page 5

2.

--Furthermore, any joint ties between the Day Care if incorporated and the UCCM (e.g. dual Board members, financial or office assistance, receiver of assets in case of termination) might establish a potential liability factor for the UCCM, so that incorporation could not insure the UCCM insulation from liability.

-- If incorporated, the Day Care would not be covered by present UCCM insurance, but would need to carry its own insurance. The Presbyterian Synod, as property owners, would very likely also need to carry separate insurance.

--The present UCCM insurance is reasonably adequate in Mr. Epley's opinion to cover day care operations and any other UCCM program. We are insured up to a maximum of $300,000 which would cover the maximum awarded in any liability case in Iowa to the present.

--Mr. Epley would recommend, however, that the IUCCMC investigate the possibility of increasing this coverage to a maximum of $500,000, not because of our Day Care situation, but for all IUCCMC personnel, Board members, and others engaged in any part of our total program. He noted that, in fact, awards are generally much higher for injury to adults than to children.

THERE SEEMED TO BE GENERAL CONSENSUS BY THE COMMITTEE, BASED ON MR. EPLEY'S OPINIONS, FOR THE FOLLOWING:

1. The question of UCCM liability with regard to the day care would not be significantly different than it now is if the day care were to be incorporated.

2. Current insurance coverage is as adequate for covering present operations of the day care as it is for covering any other UCCM program.

3. The IUCCMC may wish to act on Mr. Epley's recommendation to consider increasing liability coverage for all UCCM program.

4. There does not seem to be any real advantage in incorporating the day care as we currently conceive of its program. In fact, incorporating would very obviously create a number of problems which do not now exist.

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2. --Furthermore, any joint ties between the Day Care if incorporated and the UCCM (e.g. dual Board members, financial or office assistance, receiver of assets in case of termination) might establish a potential liability factor for the UCCM, so that incorporation could not insure the UCCM insulation from liability. -- If incorporated, the Day Care would not be covered by present UCCM insurance, but would need to carry its own insurance. The Presbyterian Synod, as property owners, would very likely also need to carry separate insurance. --The present UCCM insurance is reasonably adequate in Mr. Epley's opinion to cover day care operations and any other UCCM program. We are insured up to a maximum of $300,000 which would cover the maximum awarded in any liability case in Iowa to the present. --Mr. Epley would recommend, however, that the IUCCMC investigate the possibility of increasing this coverage to a maximum of $500,000, not because of our Day Care situation, but for all IUCCMC personnel, Board members, and others engaged in any part of our total program. He noted that, in fact, awards are generally much higher for injury to adults than to children. THERE SEEMED TO BE GENERAL CONSENSUS BY THE COMMITTEE, BASED ON MR. EPLEY'S OPINIONS, FOR THE FOLLOWING: 1. The question of UCCM liability with regard to the day care would not be significantly different than it now is if the day care were to be incorporated. 2. Current insurance coverage is as adequate for covering present operations of the day care as it is for covering any other UCCM program. 3. The IUCCMC may wish to act on Mr. Epley's recommendation to consider increasing liability coverage for all UCCM program. 4. There does not seem to be any real advantage in incorporating the day care as we currently conceive of its program. In fact, incorporating would very obviously create a number of problems which do not now exist.