Originally Posted by SunflowerMama:
Let's say hypothetically one of you dcks hypothetically slams your finger in a door. Hypothetically you need to go to Urgent Care, pay $100 co-pay, pay for an xray and then pay for a splint for your now broken finger. Does anyone know if daycare insurance helps to pay for any of that? Just asking....hypothetically of course 
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Liability Insurance (which is designated to cover injuries or property damage) is designed to cover the 3rd party, not the insured. Some policies may come with a rider where your medical expenses can be paid, but is not typical in personal daycare (or Home Owner's or Renter's insurance policies). Auto is a little different in which some states offer personal injury protection (aka medical payments depending on state). You might check w/ your daycare insurance company to see if they do offer any riders at an additional premium.