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wdmmom 07:57 PM 03-19-2013
Craziness! When I first started out, I had one heck of a time finding a carrier to cover me!

Either companies said you had to be licensed (and the only way to be licensed here is to be a center. Homes are classified as registered) or you could only watch a maximum of 3 kids (definitely not worth it). I did find one that would cover up to 5 kids at one time and it included my own children so there went that.

It was a nightmare. It took me several months to get things figured out.

We ended up switching homeowners and I have an added clause for self employment/daycare in there. I don't know what the price difference is for that versus just straight homeowners but I'm grateful to have finally found a company that doesn't have all the hoops to jump through.

Prior to switching homeowners, I paid right around $480 a year for 2 million dollar liability.
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