Originally Posted by Unregistered:
Do you own your home? If so, check with your home owners insurance. I had additional coverage added to my policy and it cost very little.
THIS. I have pretty good liability through my homeowner's insurance. If yours doesn't offer it, it might be time for a change in insurance companies, because a lot of them DO offer it. There is sometimes a limit on the number of children, or you might have to be licensed or certified. It's worth checking into.