Originally Posted by MyAngels:
I'm just putting this opinion out there so that other people who come across this later will do their due diligence on insurance, rather than just opting out of coverage. I've often said that operating a business such as ours without proper insurance coverages is like playing in traffic - you might get by with it, but you might also get hit by a truck 
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Thanks for the input (not just you but everyone!).
I only have a very small hdc but I do see why this is so important even though my state doesn't require it. I sent an email to my agent asking about a rider policy (I didn't say I am currently operating a dc specifically just in case). I think a rider is my only option because I'm having a really hard time finding a standalone company that lists my state and the ones I did find say specifically NO RESIDENTIAL DC'S. Ugh!
Hopefully I'll never need it, but after all the great advice here I'd rather have it than a paragraph in my handbook that *may or may not* (and probably won't it seems) cover me.
This is why I love this forum. You ladies rock.
