I use Allstate and they allowed me me to have the home daycare, it even states it in my policy as Home Day Care with $300k aggregate. The policy only covers a handful of kids so I have an additional liability policy with NEIS for up to 12 kids for 1mil/3mil coverage.

I say go to another Allstate location and ask again. But it is quite possible that every area is different. This is the link for the separate liability company

neisinc.com

They also do home insurance as well. You can ask them as well. Good luck!

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