I currently have an umbrella policy through American Family to raise my homeowners and auto liability insurance to $1M for my business. The underwriter made it cost $400 for thep past year, and we also raised liability on our auto policies.

The reason I didn't go through Assure is because they don't cover transportation. But now that my umbrella policy is up for renew, I'm getting charged $900 for the coming year. The insurance office assistant is looking into why it more than doubled, but she isn't sure yet.

I'm considering going with Assure over this issue and no longer transporting daycare kids. But I'm wondering what would happen if I needed to transport for medical care or another emergency and something happened. Am I likely to have any liability coverage for my daycare kids?

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