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Old 07-01-2015, 11:12 AM
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Daycare Insurance Daycare Insurance is offline Media Member
Join Date: Jun 2014
Location: Encino, California
Posts: 89

Originally Posted by LysesKids View Post
DCI will not cover a legally unlicensed provider in any state - essentially when I talked to them and asked why, if I was working legally, couldn't I get covered and was told it's not worth it for them for the few kids I had ... I am covered by State Farm for liability thru my homeowners policy
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 regulated by a state agency. For providers who are not licensed a rider on your homeowners policy is certainly better than no coverage at all. Just be aware they generally only cover a certain number of children and do not offer child abuse or accident medical coverage.
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