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At Home Daycare

Child care providers risk three types of financial loss: injuries, lawsuits and court costs/attorney fees. If a child is injured, a day cre provider may have to pay the victim's hospital and doctor bills. If there is a lawsuit, damages may be awarded to the victim or the victim's family. In addition, a provider could have to pay cort costs and attorney fees.
Do not make the mistake of thinking that your current homeowner's policy provideds you with any coverage for this exposure or that the child's family's medical insurance will protect you.
A commercial liability policy or even an endorsement to your exisiting homeowner's policy could provide the protection you need for a daycare exposure. You must meet underwriting requirements that define a safe operation. These may include restricitions on pools, pets and trampolines.

Category: Home-Based Business