I carry a 2 million $ policy and it's $500 per years. Specifically for childcare. And I could pay less, but I pay a certain amount per kid and want to make sure it covers me up to my limit, although I choose to keep a smaller group most of the time. And it's not required in my state. Even if parents sign off that they won't sue, their insurance sure will if something happens. I'd rather be covered.

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