Navigating Insurance Challenges in Early Education with Marc Sklar

In this episode, Mark Sklar of Jowers-Sklar Insurance shares expert insights on insurance needs, risk management, and current industry challenges facing early childhood education programs.Our Expert Marc SklarMark Sklar is the President/CEO at Jowers-Sklar Insurance. Starting in the insurance business in 1998 and purchasing his agency in 2003, Mark developed specialized expertise in three niches: rental equipment businesses, franchise restaurants, and childcare centers. His relationship-oriented approach has positioned Jowers-Sklar Insurance as a leading specialist in childcare center coverage, with approximately 400-450 centers insured across the country. Mark's philosophy emphasizes that the cheapest insurance quote isn't always the best, focusing instead on comprehensive coverage and proactive risk management.About Jowers-Sklar InsuranceJowers-Sklar Insurance specializes in providing insurance solutions for early education programs nationwide. Unlike generalist agencies, they've developed deep expertise in childcare center insurance requirements and challenges. Their relationship-based approach goes beyond simply writing policies – they serve as trusted advisors helping center owners navigate compliance issues, implement preventative measures, and properly document their safety protocols. The company emphasizes educating clients about proper coverage needs and has developed specialized resources such as behavioral questionnaires to identify training opportunities for staff members.In this episode, we cover:- Key insurance coverages & market trends- Liability vs. negligence- Risk reduction strategies- Claims, violations, and premiumsA sneak peek inside the episode:“I tell people the three best words in insurance are document, document, document. The more documentation we have... it shows that accidents happen. What the attorneys are going to argue is that you didn't properly train the employee, which is why this injury happened. We can show: Yes, we did train them."