Hi
I own a centre and we are covered for public liability, so if a child trips over a mat at preschool and hits there head on the table and the child needs to go to hopital we are responsible. But if a child is running around outside trips falls and a tooth goes through there lip than it is an accident and the centre is not liable for this as kids are kids and they are going to fall and hurt themselfs.
We had one child not sitting correctly on a chair a staff member asked this child a couple of times to sit properly, the child fell and her tooth went through her tougue.