Do you have liability insurance that is specific to your home child care business? Something that is not simply an addendum to your regular homeowner's or renter's policy?
If not, I suggest that you contact an agent who works regularly with child care providers.
Compare rates and talk about the type of coverage they offer. My understanding is that stand-alone business policies are more comprehensive, offering greater protection against
the many, unique, child care situations that could lead to a lawsuit.
I have personally come across two insurance companies that provide business liability insurance specifically for child care providers in California and other states:
DC Insurance Services, Inc.
Se habla español.
Assure Child Care
Saint Paul, Minnesota
Neither Tom nor I can recommend any particular insurance carrier or agent, but feel free to compare coverage and cost for companies that offer policies in your state.
Last updated 7 June 2014
Posted on 2013-11-19 18:32:44