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Insurance For Home Daycare

Insurance For Home Daycare

Is There Any Need For Home Daycare Insurance?

Why do I need insurance for home daycare? It is almost solely a question of civil liability. Every time people are invited into different homes - especially children, who are more at risk of injury than adults, liability is the biggest risk. If little Leo slipped and broke his ankle in the snowy entrance, or if the little dog was chewing Diana's diaper bag, from a famous brand. If one is uncertain of needing additional coverage for physical space, it is important to have insurance for home daycare that will provide protection if held liable for an injury or property damage.

Some policies may also cover business assets (such as supplies specifically purchased for daycare) or loss of income if one’s home is damaged and couldn’t to open the daycare during repairs. Such a guarantee is essential if the daycare is a significant source of income for such person.

It is true that it is pleasant for some parents to combine work and family life, all at home. What a beautiful equation!

Having a professional activity at home is not without consequences on one’s home insurance. Also, it is important to check for the necessary insurance for home daycare.

Insurance for home daycare policies and licensing laws

With or without a license, it is important to understand that insurance company may have different regulations from those of the appropriate authorities (e.g., the maximum number of children the daycare may be able to care for may be lower or different home security may be required). The daycare will have to respect the laws of the insurance firm to qualify for a guarantee.

Is your daycare sufficiently insured?

Although, home insurance is essential, whether one work in the home or not, it does not necessarily cover one’s professional activities. That is why it is important to inform your broker so that you are directed to the most appropriate coverage.

In the case of a home daycare, your broker will likely issue an endorsement on your home insurance policy to extend civil liability in the event of a lawsuit. Thus, if a child stumbles on a carpet in the daycare and falls, there will be coverage by the policy of liability of the daycare insurance, if there was no negligence on one’s part.

However, not all incidents are covered by home insurance. For example, if during an activity a child hurts another with a toy; a wrong medicine was administered to a child, and he or she is poisoned; or if there is a supervised exit to the park and a child gets injured, one’s responsibility could be questioned. In these cases, daycare insurance policy might not cover these.

To protect oneself from such a financial burden in the event of an incident, insurance for home daycare is appropriate.

It is true that it is not necessarily easy to navigate the different types of insurance offered and those that can best meet one's needs. The best solution to demystify everything is to carefully study the policies of each package and strictly adhere to them.


Day Care Insurance Services, Inc.
16601 Ventura Boulevard, Suite 500, Encino, CA 91436-1921

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Insurance For Home Daycare

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DCI's Childcare program for In-Home facilities.

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