Samantha Phillips is an insurance broker who specializes in insuring child care centers, a job that is especially tough this days as ECE businesses struggle to find and keep insurance.

Costs are soaring. Samantha said she has a client in Massachusetts whose insurance DOUBLED, from $25,000 a year to $50,000 a year .. and the client had never filed a claim.  And paying that amount was the client's only option.

That's just one example Samantha shares during this podcast. She also gives examples of court verdicts and settlements stemming from cases in child care centers that are affecting premiums, as well as how licensing inspections are playing a role in skyrocketing costs.

Samantha also gives tips on how to keep your current insurance, which is getting harder and harder to do, as well as what you can do to shop around to try to find lower prices.  One such tip is to write an insurance narrative to show that you have a strong management team and that your approach to protecting your property is proactive rather than reactive.

To get more advice from Samantha, check out her Facebook page or visit  comployhr.com.