Originally Posted by Michael:
It depends on your state standards. https://www.daycare.com/states.html
I think for most family daycare, their homeowners insurance would suffice but maybe DCI will think otherwise.
DCI will not cover a legally unlicensed provider in any state - essentially when I talked to them and asked why, if I was working legally, couldn't I get covered and was told it's not worth it for them for the few kids I had ... I am covered by State Farm for liability thru my homeowners policy