Seeking Insurance Company Contacts for Baby Policy

One of the primary concerns we hear from companies that are otherwise open to starting a babies-at-work program is the issue of potential liability.  Although the risks of problems are very low, we encourage companies to have parents sign detailed legal waiver forms before they start bringing a baby to work--just to cover the bases. 

We're currently thinking of taking this one step further.  Given that babies-at-work programs reduce stress and increase breastfeeding feasibility (both of which would reduce health care costs), we're thinking that it might be greatly beneficial for an insurance company to more actively support these programs by setting up a direct policy or rider that would cover babies-at-work programs.  Based on the low risks of problems in these programs (since parents are responsible for the babies' care and since the babies normally only come to work until they're crawling), I think that such a policy would probably be relatively inexpensive for each company--and having one available is likely to greatly increase adoption of these programs.

If you have a contact at a business or health insurance company that you would be willing to share with me, I would greatly appreciate it!  Feel free to email me or call the Institute--(801) 897-8702.

Comments

[business consultants]

But would the policy only cover the babies at work up to a certain age, and after that people would be forced to leave them at home? Or just a after this age you're on your own kind of deal?

[Carla]

We now have a full-fledged policy--it covers babies up until 240 days of age or crawling, whichever comes first. The company will write policies (on an individual company basis) that cover older children, though. The insurance info is here: http://www.babiesatwork.org/insurance.html

Carla