I have never asked any parent to sign something like that because I know that I feel similar when someone puts something like that in front of me. For instance, the people at our local Fun-Run (Inflatable indoor park) wanted everyone to sign the waivers at first. But they finally stopped when so many people told them that the waivers don't hold water anyway. My daughter twisted her ankle on one of those inflatables. I could have turned in a claim and said that they didn't have enough supervision and another child ran in front of her and went in the way that was supposed to be out. But really? Only a greedy person would do such a thing. I take the risk when I take my child there. I KNOW that if one of my daycare kids get hurt in that place that the parent could go after me. But I BELIEVE that most people I deal with will not. We've had a few minor accidents through the years and no parent has ever gone there with me. They know how careful we are. What more do you want? If you want a guarantee, keep them home and frantically shadow their every move.
I am biased because I am a provider. However, our country is being brought to it's knees because of greed. So many services have gone up because of the liability insurance issues. Home daycare providers can hardly afford extra insurance because we barely clear any money anyway. It's one thing for a parent to expect compensation for a completely preventable accidnet that happens entirely due to neglect. If a provider knows for instance that some equipment is broken and they don't repair it and the child gets hurt. Then the parent has a case. But if some other distracted driver runs into the school van, you should have your own health insurance. If the driver of the schools van is drunk or distracted then you have an issue too.
This is a very HARD issue for me. I don't keep my kids in a bubble. But sometimes when I read posts like this or I see something in the news about a daycare problem or talk with other providers that have been sued... It makes me think that I should stay home all the time and never take kids anyplace.
If you don't want your child on the top of a slide with providers that have multiple kids then keep her home that day.
I can't speak for your daycare. I can tell you that I am a freak about safety. We do the human chain holding hands, we are methodical about the things we do, careful about our car seats, keep the van well repaired and maintained, stay off the highways as much as possible, and I could go on and on. But accidents happen! Why should I be responsible for medical bills for someone else's child?