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michellezearfoss@hotmail. 11-16-2008 07:32 AM

Hey, I have my own day care in my house. I am not licensed, i do own my own home with home owners insurance. I have been reading i should purchase extra insurance such as business liabiilty insurance. does anyone else here have extra insurance? I am in NY.

TTOTS 11-16-2008 10:35 AM

I live in Illinois. I do have additional insurance on my daycare. It is an extension to my homeowners. I would reccommend it.

JKelly 11-27-2009 06:35 AM

Not sure how it works in your state but make sure the company that covers your homeowners insurance knows that you have a daycare business out of your home. Some insurance companies will not cover it even if you have separate daycare insurance.

Unregistered 12-07-2009 08:53 AM

I have Been Meaning to get it...
We have American Family and they will cover you with an add on to your policy. It is not that much more per year. I think I will call in January and add it on. This kind of coverage is very important.

Unregistered 12-07-2009 10:15 AM

Hi, I also live in NY and it was very hard to find liability insurance that was affordable. I ended up going through the child care council. They have a very affordable plan.

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