That's what I know also and I live in CA. It's not a requirement here either but if we don't carry it or at least a bond we have to notify the families that we do not carry insurance. Even if you have regular homeowner's insurance be careful. Some insurances won't cover you in case of damages if you have a daycare because of the nature of the business. I just added a rider to my homeowner's insurance for daycare in my home specifically and I pay only $75 a year. Dirt cheap for peace of mind if you ask me.

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