Do you all have public liability Insurance??

[jacky]

Hi, just a general question, as im not from USA. Do you carers have public liability insurance for your businesses? I read something before about it & tought that you would be crazy to work without it!

[DinTx]

Daycare homes are not required to carry insurance in Texas, but it's a good idea if one can afford it.

[daycaremom1998]

Hi Jacky,

My homeowners insurance offers liability insurance for daycares that is added right onto my homeowners policy and monthly payment. I like this as it is collected with my monthly mortgage payment and re-dispersed to the insurance company through the escrow account. Then at the end of the year, I get a statement for my taxes from my homeowners insurance company.

If you like this idea and want to ask your homeowners insurance company about it, I would encourage you to tread very carefully and approach them in a hypothetical manner. Some insurance companies might have a completely opposite reaction than mine and drop you all together from their coverage even for thinking about home daycare because they feel that home daycare is too big a risk.

I'm not sure if that is the information you were looking for, but I hope it helped.