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 can be a risky class of business to insure, when youre unlicensed, to insurance companies you are an even higher risk. Riders on your homeowners are widely known as not being a good method of protecting your self but its certainly better than nothing.

If you are unlicensed and you are having trouble finding insurance that adequately covers you, you might look into the possibility of purchasing a bond or even the possibility of becoming licensed. I know the requirements are different in every state, and maybe your state's requirements are to cumbersome for you, but being licensed may offer you more benefits.

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