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Forum: Daycare Insurance 02-04-2019, 11:31 AM
Replies: 7
Views: 2,410
Posted By Daycare Insurance
I know this post is a couple of months old, but...

I know this post is a couple of months old, but I'm just now seeing it. Coverage that specifically covers daycares will typically have an abuse and molestation exclusion, but then there will be a...
Forum: Daycare Insurance 10-15-2018, 11:43 AM
Replies: 4
Views: 6,400
Posted By Daycare Insurance
The best thing you can do is get a commercial and...

The best thing you can do is get a commercial and professional liability policy. This will cover you in the event that you're sued by a client, which will help protect your assets.
Forum: Daycare Insurance 02-27-2018, 02:23 PM
Replies: 5
Views: 2,408
Posted By Daycare Insurance
Most companies will make you fill out a renewal...

Most companies will make you fill out a renewal application. The reason for this is that the child care industry is a high risk class of business, and providers often make changes to their business...
Forum: Daycare Insurance 02-26-2018, 09:52 AM
Replies: 1
Views: 1,786
Posted By Daycare Insurance
For a child care that's not licensed or...

For a child care that's not licensed or registered, it can be a bit difficult to find coverage. Your best bet is probably to check with your homeowners insurance company to see if they have a rider...
Forum: Daycare Center and Family Home Forum 11-29-2017, 10:49 AM
Replies: 20
Views: 3,347
Posted By Daycare Insurance
Have you reported this to your insurance company?...

Have you reported this to your insurance company? This is what they are here for. They will most likely pay for the child's medical bills, and, if the mom does decide to sue, they will protect you....
Forum: Daycare Center and Family Home Forum 10-31-2017, 11:10 AM
Replies: 7
Views: 2,092
Posted By Daycare Insurance
This is what we recommend. Document it, have the...

This is what we recommend. Document it, have the parents sign it, and take a picture. That way parents can't come back later and say it happened in your care.
Forum: Daycare Center and Family Home Forum 09-12-2017, 11:26 AM
Replies: 8
Views: 2,562
Posted By Daycare Insurance
Regulations vary by state, but you may also want...

Regulations vary by state, but you may also want to keep in mind that, if you are insured for your daycare, any type of rebounding device may be excluded from your policy. That would include any type...
Forum: Daycare Insurance 08-29-2017, 02:44 PM
Replies: 7
Views: 4,932
Posted By Daycare Insurance
For a brief time we weren't insuring anyone with...

For a brief time we weren't insuring anyone with a pool. We are now accepting them on a case by case basis. If you call our office and ask for Rafael, he can give you some more information and let...
Forum: Daycare Insurance 08-29-2017, 11:03 AM
Replies: 7
Views: 4,932
Posted By Daycare Insurance
I see that you're in California. Have you applied...

I see that you're in California. Have you applied for insurance with us? We look at daycares with pools on a case by case basis. Depending on how far it is from the house, the type of fencing it has,...
Forum: Daycare Insurance 08-23-2017, 11:36 AM
Replies: 7
Views: 4,932
Posted By Daycare Insurance
It depends on the specific policy you're getting...

It depends on the specific policy you're getting with your homeowner's insurance, but generally these policies don't cover as much as a professional liability policy such as the one you're probably...
Forum: Daycare Center and Family Home Forum 04-26-2017, 10:17 AM
Replies: 15
Views: 1,701
Posted By Daycare Insurance
What state are you in? Here in California, anyone...

What state are you in? Here in California, anyone in the daycare home must be fingerprinted and have a background check. You may want to check with licensing before hiring someone.
Forum: Daycare Center and Family Home Forum 04-14-2017, 12:48 PM
Replies: 11
Views: 1,751
Posted By Daycare Insurance
Another thing to consider is whether your...

Another thing to consider is whether your insurance company covers drop in care. Some companies have a strict definition of what they consider an enrolled child, so it's a good idea to check with...
Forum: Daycare Insurance 04-07-2017, 10:44 AM
Replies: 5
Views: 4,259
Posted By Daycare Insurance
When you say they don't cover 12 kids, do you...

When you say they don't cover 12 kids, do you mean that they won't accept you if you have 12 kids? Since you have liability insurance, you don't need your homeowner's insurance to cover any portion...
Forum: Daycare Insurance 02-28-2017, 12:51 PM
Replies: 2
Views: 2,435
Posted By Daycare Insurance
Your best bet is to find a separate professional...

Your best bet is to find a separate professional liability and accident medical policy that is specifically for child care providers. Once you have that, it should be a little easier to find a...
Forum: Daycare Center and Family Home Forum 02-10-2017, 02:26 PM
Replies: 20
Views: 1,727
Posted By Daycare Insurance
Definitely check with licensing first, as there...

Definitely check with licensing first, as there is a good chance that they are not permitted. As others have mentioned, this could also affect your insurance policy. Here at DCI, a trampoline does...
Forum: Daycare Insurance 01-18-2017, 02:38 PM
Replies: 4
Views: 3,459
Posted By Daycare Insurance
Have you spoken with a representative from each...

Have you spoken with a representative from each company? It's hard to say for sure, since each company operates differently and a lot can depend on your plan. Your bet bet would be to talk to someone...
Forum: Daycare Insurance 01-10-2017, 11:01 AM
Replies: 3
Views: 2,899
Posted By Daycare Insurance
Workers comp companies consider child care...

Workers comp companies consider child care workers high risk, because there is a lot of bending and lifting, and there is a higher risk of tripping over toys and/or children. Employees can also be...
Forum: Daycare Insurance 01-09-2017, 10:51 AM
Replies: 3
Views: 2,899
Posted By Daycare Insurance
Because the risk is high, most providers have to...

Because the risk is high, most providers have to go through the state to get worker's comp. I'm not sure what state you're in, but if you go to your state government's workers comp division website,...
Forum: Daycare Center and Family Home Forum 01-06-2017, 09:47 AM
Replies: 18
Views: 1,466
Posted By Daycare Insurance
In the eyes of the law, the daycare would be...

In the eyes of the law, the daycare would be responsible for the medical bills whether they were negligent or not. Because it happened in their care, they are liable for the bills. This is why all...
Forum: Daycare Insurance 11-21-2016, 10:24 AM
Replies: 7
Views: 3,655
Posted By Daycare Insurance
What you need is professional liability and...

What you need is professional liability and accident medical insurance. You can check Tom Copeland's website for a list of companies that offer this type of policy, as we don't write business in...
Forum: Daycare Insurance 11-14-2016, 02:46 PM
Replies: 4
Views: 2,861
Posted By Daycare Insurance
Unfortunately at this time we do not cover Texas....

Unfortunately at this time we do not cover Texas. It looks like that will be changing in the near future, so keep checking back.
Forum: Daycare Insurance 11-14-2016, 11:38 AM
Replies: 4
Views: 2,861
Posted By Daycare Insurance
As blackcat stated, call you auto insurance...

As blackcat stated, call you auto insurance company first. Most insurance companies will not insure you for business use of your vehicle, so you have to find out whether your insurance company would...
Forum: Daycare Center and Family Home Forum 10-31-2016, 12:18 PM
Replies: 6
Views: 1,811
Posted By Daycare Insurance
If you are licensed, you may want to report this...

If you are licensed, you may want to report this to licensing just to be on the safe side. Just tell them what happened and that you feel like this woman might make a false accusation. This way...
Forum: Daycare Center and Family Home Forum 10-20-2016, 02:57 PM
Replies: 21
Views: 2,527
Posted By Daycare Insurance
Be careful keeping parents who are already giving...

Be careful keeping parents who are already giving you this kind of trouble. The fact that she is watching your house is definitely a red flag. We see a lot of claims come from these types of parents....
Forum: Daycare Insurance 10-13-2016, 10:36 AM
Replies: 1
Views: 2,887
Posted By Daycare Insurance
Unfortunately we do not write business in...

Unfortunately we do not write business in Washington, but I can give you some information. What you really need in order to protect yourself and your business is professional liability insurance as...
Forum: Daycare Center and Family Home Forum 08-29-2016, 03:37 PM
Replies: 22
Views: 65,995
Posted By Daycare Insurance
As a lot of people have mentioned, a waiver will...

As a lot of people have mentioned, a waiver will not protect your landlord in court, as you cannot take away a person's right to sue. What you can do that WILL protect your landlord, is add them as...
Forum: Daycare Center and Family Home Forum 08-25-2016, 02:34 PM
Replies: 20
Views: 2,618
Posted By Daycare Insurance
Oops! I posted the wrong segment of the Act! ...

Oops! I posted the wrong segment of the Act!

Here it is:

A public accommodation shall make reasonable modifications in policies, practices, or procedures, when the modifications are necessary...
Forum: Daycare Center and Family Home Forum 08-25-2016, 02:33 PM
Replies: 20
Views: 2,618
Posted By Daycare Insurance
This is something we talk to providers about...

This is something we talk to providers about sometimes. It is a misunderstanding that providers cannot turn away any child because of a disability. You are required to make reasonable accommodations...
Forum: New Members - Welcome to the Daycare.com Forum! 08-18-2016, 10:11 AM
Replies: 2
Views: 1,810
Posted By Daycare Insurance
As black cat stated, this all depends on what...

As black cat stated, this all depends on what state you're in. Wherever you are, you should have legal representation so you know what to say and what not to say to licensing and social services....
Forum: Daycare Center and Family Home Forum 08-17-2016, 03:10 PM
Replies: 3
Views: 1,021
Posted By Daycare Insurance
I know it is scary to report things thinking of...

I know it is scary to report things thinking of the repercussions. However, as a mandated reporter, you can actually get into more trouble for not reporting. If you do report, they are not supposed...
Forum: Daycare Center and Family Home Forum 08-16-2016, 04:34 PM
Replies: 5
Views: 1,351
Posted By Daycare Insurance
You may want to call licensing and let them know...

You may want to call licensing and let them know that you have an angry parent on your hands just in case the parent decides to file a false complaint against you. We see this a lot with parents who...
Forum: Daycare Center and Family Home Forum 08-11-2016, 10:00 AM
Replies: 40
Views: 2,944
Posted By Daycare Insurance
This is good advice. Call your insurance company...

This is good advice. Call your insurance company to find out if you have some coverage for legal fees. If not, you should find your own attorney to help you appeal the citation. It is always best to...
Forum: Daycare Center and Family Home Forum 07-14-2016, 11:00 AM
Replies: 14
Views: 1,737
Posted By Daycare Insurance
This is great advice. By always documenting any...

This is great advice. By always documenting any injury, no matter how small, and making sure the parents are aware of it, you are greatly reducing your liability. Of course, you should also make sure...
Forum: Daycare Insurance 07-13-2016, 03:59 PM
Replies: 5
Views: 4,566
Posted By Daycare Insurance
Unfortunately we do not provide coverage in...

Unfortunately we do not provide coverage in Washington, however, if you pm me your email address, I can email you some questions to ask when looking for insurance. That will help you make sure you...
Forum: Daycare Insurance 07-11-2016, 02:34 PM
Replies: 5
Views: 2,798
Posted By Daycare Insurance
Oops! I meant Iowa. Unfortunately we're not in...

Oops! I meant Iowa. Unfortunately we're not in Iowa either.
Forum: Daycare Insurance 07-11-2016, 12:31 PM
Replies: 5
Views: 2,798
Posted By Daycare Insurance
Unfortunately we do not provide coverage in Ohio,...

Unfortunately we do not provide coverage in Ohio, however you should be able to call a broker and get a quote. In addition to the property coverage, you'll want to make sure you also have accident...
Forum: Daycare Center and Family Home Forum 07-01-2016, 10:14 AM
Replies: 12
Views: 1,115
Posted By Daycare Insurance
Will you have an insurance policy? If so, you may...

Will you have an insurance policy? If so, you may want to find out how many hours/children you will be covered for. Some policy rates are based on the hours that you are licensed for and the amount...
Forum: Daycare Center and Family Home Forum 06-30-2016, 05:24 PM
Replies: 12
Views: 1,535
Posted By Daycare Insurance
We're so sorry that your sister is going through...

We're so sorry that your sister is going through this. Unfortunately, these investigations can go on for a long time. Does your sister have insurance? If so, she can most likely obtain legal help for...
Forum: Daycare Center and Family Home Forum 06-22-2016, 02:08 PM
Replies: 13
Views: 1,812
Posted By Daycare Insurance
Its always unfortunate hen accidents happen but...

Its always unfortunate hen accidents happen but they do happen! It sounds like you did everything correctly. We always suggest providers do exactly what you did when you have an incident....
Forum: Daycare Insurance 09-28-2015, 12:18 PM
Replies: 12
Views: 9,171
Posted By Daycare Insurance
Thank you for for kind words. Believe me, I...

Thank you for for kind words.

Believe me, I completely understand the frustration. We have dedicated our existence to the benefit of child care providers. We designed an insurance product...
Forum: Daycare Insurance 09-18-2015, 04:58 PM
Replies: 12
Views: 9,171
Posted By Daycare Insurance
The size of the child care is actually not the...

The size of the child care is actually not the issue for us. We insure small child cares as well as larger ones. We would love nothing more that to find ways to cover every legal operation, and we...
Forum: Daycare Center and Family Home Forum 08-26-2015, 12:13 PM
Replies: 95
Views: 6,878
Posted By Daycare Insurance
We are deeply saddened to hear of these events...

We are deeply saddened to hear of these events and we offer our support.

When I was in Chicago, IL at a conference this past June, I met a very nice woman named Nancy, she is the Executive...
Forum: Daycare Center and Family Home Forum 08-18-2015, 03:51 PM
Replies: 65
Views: 7,765
Posted By Daycare Insurance
Food allergies or reactions can be common. Keep...

Food allergies or reactions can be common. Keep it mind it still falls under your liability as a child care provider. If you have a child care liability policy, you may not be aware if it covers food...
Forum: Daycare Insurance 08-10-2015, 01:34 PM
Replies: 12
Views: 9,171
Posted By Daycare Insurance
While you may be operating 100% LEGALLY in your...

While you may be operating 100% LEGALLY in your state as an unlicensed provider, you may not be able to purchase insurance coverage that covers you as comprehensively as you would like.

Daycare...
Forum: Daycare Insurance 07-29-2015, 12:47 PM
Replies: 15
Views: 67,442
Posted By Daycare Insurance
We provide commercial centers insurance and we...

We provide commercial centers insurance and we can give you a quote regardless if you are purchasing right away or in the future. Generally quotations are only good for 30 days, so you may have to...
Forum: Daycare Insurance 07-01-2015, 12:12 PM
Replies: 5
Views: 4,874
Posted By Daycare Insurance
We indeed to not provided coverage for unlicensed...

We indeed to not provided coverage for unlicensed providers. You may be operating legally and in accordance with state rules but we are unable to provide insurance coverage for those who are not...
Forum: Daycare Insurance 05-06-2015, 10:40 AM
Replies: 2
Views: 5,239
Posted By Daycare Insurance
Amal, Thanks so much for posting....

Amal,

Thanks so much for posting. Unfortunately we do only provide coverage for licensed providers. We also do not service the great state of New Jersey. It can be very difficult to find an...
Forum: Daycare Center and Family Home Forum 04-30-2015, 05:29 PM
Replies: 14
Views: 2,351
Posted By Daycare Insurance
Do you currently have child care insurance? If...

Do you currently have child care insurance? If you do then check with your company to see if you have an liability or accident medical policy. If you do, talk with them about how you should handle...
Forum: Daycare Center and Family Home Forum 04-23-2015, 04:38 PM
Replies: 48
Views: 6,062
Posted By Daycare Insurance
This is a very good question. It really depends...

This is a very good question. It really depends on the landlord. Its best to be open with them about it. If they seem hesitant you can always remind them that you'll be happy to add them as an...
Forum: Daycare Center and Family Home Forum 03-31-2015, 05:07 PM
Replies: 45
Views: 9,706
Posted By Daycare Insurance
This is a very good question. In most cases Child...

This is a very good question. In most cases Child Care Liability insurance does include coverage for Libel and Slander. However each situation is different and subject to review. Its best to submit...
Forum: Daycare Center and Family Home Forum 03-31-2015, 03:38 PM
Replies: 22
Views: 3,336
Posted By Daycare Insurance
Don't forget to purchase insurance! :D

Don't forget to purchase insurance! :D
Forum: Daycare Center and Family Home Forum 03-31-2015, 03:37 PM
Replies: 9
Views: 5,689
Posted By Daycare Insurance
When it comes to dogs and insurance Starburst is...

When it comes to dogs and insurance Starburst is correct. Every insurance company is different but our policy for example will not cover an injury relating from a bite of "Vicious" breeds such as pit...
Forum: Daycare Insurance 03-23-2015, 10:39 AM
Replies: 9
Views: 6,510
Posted By Daycare Insurance
This is a really good question, If you aren't...

This is a really good question, If you aren't familiar with Tom Copeland, he is a moderator on this forum, and very well known in the child care community. I believe he actually has a book on child...
Forum: Daycare Insurance 03-17-2015, 04:03 PM
Replies: 17
Views: 8,500
Posted By Daycare Insurance
It likely cheaper because that is likely an...

It likely cheaper because that is likely an endorsement on your homeowners policy. If you are exempt this is much better than having no coverage. However the downsides are that they likely lack abuse...
Forum: Daycare Center and Family Home Forum 03-12-2015, 05:45 PM
Replies: 20
Views: 2,301
Posted By Daycare Insurance
I would highly suggest checking with your...

I would highly suggest checking with your licensing representative on this. They may have specific guidelines which reference service visits. There may be a specific protocol for dealing with these...
Forum: Daycare Insurance 03-12-2015, 05:37 PM
Replies: 17
Views: 8,500
Posted By Daycare Insurance
There are plenty of insurance companies out there...

There are plenty of insurance companies out there that will insure a license child care operation. In fact there are actually less companies out there that will cover an exempt home. Each company is...
Forum: Daycare Insurance 03-03-2015, 11:43 AM
Replies: 3
Views: 4,438
Posted By Daycare Insurance
This is a very good question, you are right to be...

This is a very good question, you are right to be concerned. First let me say that in the event she is walking through other areas of the house and something happens a good child care liability...
Forum: Daycare Center and Family Home Forum 02-04-2015, 05:58 PM
Replies: 1
Views: 1,409
Posted By Daycare Insurance
I have to say that I totally agree with this line...

I have to say that I totally agree with this line of thinking. You are taking the right steps not only to limit your liability and you are sending the right message to the parents as well. Good...
Forum: Daycare Center and Family Home Forum 01-28-2015, 11:43 AM
Replies: 8
Views: 1,907
Posted By Daycare Insurance
Yes, you need Insurance!!!! Yes we do provide it,...

Yes, you need Insurance!!!! Yes we do provide it, but we don't care where you get it as long as you get it! Our main concern is educating the public on the benefits of having insurance. Please feel...
Forum: Daycare Center and Family Home Forum 01-27-2015, 03:26 PM
Replies: 6
Views: 2,462
Posted By Daycare Insurance
You've asked some great questions. Id like to...

You've asked some great questions. Id like to take a moment to address them from a risk management standpoint, which might assist other people in similar situations.

I am not sure about the auto...
Forum: Daycare Center and Family Home Forum 01-16-2015, 11:25 AM
Replies: 1
Views: 1,290
Posted By Daycare Insurance
Im not sure I can comment on the rest of your...

Im not sure I can comment on the rest of your post unfortunately, but I can tell you that if you have a substitute, with the right insurance policy they will automatically be covered as long as they...
Forum: Daycare Insurance 01-13-2015, 02:00 PM
Replies: 10
Views: 5,094
Posted By Daycare Insurance
From an insurance perspective. It is absolutely...

From an insurance perspective. It is absolutely the responsibility of the property owner or the lessee of the premises to provide a safe entry onto the premises. Of course if someone were to become...
Forum: Daycare Insurance 12-18-2014, 02:57 PM
Replies: 3
Views: 4,179
Posted By Daycare Insurance
We do indeed provide coverage in the state of...

We do indeed provide coverage in the state of Florida. But more importantly we actually provide a list of questions you should be asking when looking for insurance!!! The checklist was developed with...
Forum: Daycare Insurance 12-04-2014, 02:50 PM
Replies: 3
Views: 4,115
Posted By Daycare Insurance
State Fund is very big for Workers Comp for Day...

State Fund is very big for Workers Comp for Day Care's I havent really heard anything bad about them. If you have a child care policy with us we can submit an application to one of our alternative...
Forum: Daycare Insurance 11-20-2014, 11:45 AM
Replies: 1
Views: 3,751
Posted By Daycare Insurance
To be honest the pricing doesnt sound too high....

To be honest the pricing doesnt sound too high. However you want to make sure you know everything that the policy covering. You want to make sure you have a professional liability policy, an accident...
Forum: Daycare Insurance 11-18-2014, 03:25 PM
Replies: 3
Views: 4,001
Posted By Daycare Insurance
Actually, DCI is one of the only companies that...

Actually, DCI is one of the only companies that provides childcare insurance that will pay for attorney fees to defend you in an administrative hearing for allegations of child abuse. Further more...
Forum: Daycare Insurance 11-18-2014, 03:13 PM
Replies: 3
Views: 4,001
Posted By Daycare Insurance
I assume you would be looking for a policy for $1...

I assume you would be looking for a policy for $1 Million worth of coverage. If that is the case you can expect to pay about $1,500 a year with our company. I cant speak for other companies out...
Forum: Daycare Insurance 10-22-2014, 04:11 PM
Replies: 0
Views: 5,189
Posted By Daycare Insurance
Understanding Excess Transportation Liability and Non-Owned Auto Liability

Understanding Excess Transportation Liability and Non-Owned Auto Liability
And What They Mean to Your Business



As a child care business, you may find yourself having to decide whether or not...
Forum: Daycare Insurance 10-07-2014, 02:43 PM
Replies: 5
Views: 6,605
Posted By Daycare Insurance
Please feel free to check out our website where...

Please feel free to check out our website where you can review our rates and application. Whether or not we provide coverage in your state we are more than happy to provide you with the information...
Forum: Daycare Insurance 09-23-2014, 11:32 AM
Replies: 9
Views: 4,952
Posted By Daycare Insurance
I think its great you got your child care covered...

I think its great you got your child care covered at no additional cost through your homewoners coverage. But Please do yourself a service and find out what they are actually covering. Ive helped...
Forum: Daycare Center and Family Home Forum 08-26-2014, 12:00 PM
Replies: 20
Views: 2,884
Posted By Daycare Insurance
Whenever you transport kids you are increasing...

Whenever you transport kids you are increasing your liability exponentially. Mainly because you cant control the other drivers on the road. From an insurance standpoint its a very big grey area....
Forum: Daycare Insurance 08-19-2014, 07:01 PM
Replies: 19
Views: 6,949
Posted By Daycare Insurance
Another thing you will not get with a homeowners...

Another thing you will not get with a homeowners rider is a accident medical policy. This is a pay first coverage that will pay medical bills if a child is hurt in your care. This is important...
Forum: Daycare Insurance 08-19-2014, 10:22 AM
Replies: 19
Views: 6,949
Posted By Daycare Insurance
Its very common for the homeowners company to...

Its very common for the homeowners company to require you get child care liability insurance. Its much better than the alternative which is being dropped or having your rates raised.

Its correct...
Forum: Daycare Center and Family Home Forum 08-15-2014, 11:19 AM
Replies: 8
Views: 1,687
Posted By Daycare Insurance
I am very sorry that we could not help you. Many...

I am very sorry that we could not help you. Many companies do not provide coverage for exempt providers because of the lack of regulation over those operations. Part of the reason we can offer...
Forum: Daycare Insurance 08-15-2014, 11:14 AM
Replies: 3
Views: 4,209
Posted By Daycare Insurance
I am very sorry that we could not help you. Many...

I am very sorry that we could not help you. Many companies do not provide coverage for exempt providers because of the lack of regulation over those operations. Part of the reason we can offer...
Forum: Daycare Center and Family Home Forum 07-17-2014, 01:11 PM
Replies: 6
Views: 1,714
Posted By Daycare Insurance
I would like to encourage the logging of the...

I would like to encourage the logging of the situations and what you are doing to address it, like you have been. It might even help you discover some type of pattern. The documentation could also...
Forum: Daycare Insurance 07-09-2014, 11:59 AM
Replies: 6
Views: 6,946
Posted By Daycare Insurance
ACC is another company that provides child care...

ACC is another company that provides child care in MN. However PLEASE exercise caution when obtaining insurance through your homeowners coverage. We can not stress enough the deficiencies. They may...
Forum: Daycare Insurance 06-27-2014, 09:26 AM
Replies: 26
Views: 8,892
Posted By Daycare Insurance
I apologize for my delay in responding,...

I apologize for my delay in responding, Essentially this is correct. The reason why insurance companies offer "Claims-Made" Forms is basically because they do not want to pay claims years after your...
Forum: Daycare Insurance 06-24-2014, 05:37 PM
Replies: 26
Views: 8,892
Posted By Daycare Insurance
Id like to chime in on this if I may. It is 100%...

Id like to chime in on this if I may. It is 100% Accurate that a child can make a claim up until the age of 18, so make sure your insurance policy is on an occurrence form. The insurance company will...
Forum: Daycare Insurance 06-24-2014, 05:29 PM
Replies: 26
Views: 8,892
Posted By Daycare Insurance
The short answer is yes, you are liable, it is...

The short answer is yes, you are liable, it is still your premises and the parents have the right to sue you. Make sure you are operating with good liability insurance.
Forum: Daycare Center and Family Home Forum 06-17-2014, 11:22 AM
Replies: 1
Views: 1,077
Posted By Daycare Insurance
It depends on the company you are with but in...

It depends on the company you are with but in most cases the answer is yes. Its called a "Pro-Rata" Refund. The company should pro-rate the refund and return any 'Unearned Premium" Back to you.
Forum: Daycare Insurance 06-09-2014, 11:50 AM
Replies: 2
Views: 4,501
Posted By Daycare Insurance
Stal, As I recall a type B home day care is...

Stal,

As I recall a type B home day care is still licensed by the state, so you would be subject to those licensing guidelines. When it comes to insurance, its always best to purchase a Stand...
Forum: Daycare Insurance 06-09-2014, 10:26 AM
Replies: 6
Views: 5,685
Posted By Daycare Insurance
Im glad you asked. It is true that coverage...

Im glad you asked.

It is true that coverage premiums vary by state but our policy is the same across the board. Our policy is a professional liability insurance policy with a child abuse...
Forum: Daycare Insurance 06-08-2014, 10:21 AM
Replies: 6
Views: 5,685
Posted By Daycare Insurance
Michael, Thanks so much for the...

Michael,

Thanks so much for the introduction. We are extremely excited to be apart of the forum and look forward to being a member of the community and answering any questions your forum members...
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