I am from MI and while insurance is not required for licensing it is recommended for liability. I already was licensed through State Farm for home owners and just added to the policy for daycare. It is about $225 per year more and that is also a deduction on your taxes. As sue happy as people are I don't feel comfortable w/o it. People report you to the state if you try to collect for money owed, I wouldn't put it past them to make up some liability issue and come after you for that.

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