Originally Posted by Blackcat31:
Our state does not legally require us to carry liability insurance. However we MUST notify parents if we don't carry any.
For the small amount that I pay each year, (less then $400) it seems to me that NOT carrying insurance would be silly.
Why would you NOT want that added protection....just in case?
On that same note, I do let parents know that I will NOT file claims due to stupidity or for people I did not authorize to be on my property.
Blackcat, I believe I am in your state. Do you mind me asking who your carrier is. The only company I could find that would provide daycare insurance was the one that took over Adult and Childrens and it's much more than that.