Originally Posted by daycare:
So corporate is telling me NO I don't need commercial insurance as long as I am not being paid to transport kids to and from school on any form of consistence basis.
BUT my agent is telling me NO, that is not correct...I am sooooo frustrated...lol
Same problems I ran into. One DCM said she wanted me to provide transportation to and from preschool for DCB. I looked into it and because it would be consistent and a regular service, I required a commercial policy.
If I want to take the kids to the pumpkin patch as a field trip, I don't need to have commercial insurance because it is not a trip we take on a regular basis.
I also know that if you advertise that you provide transportation, advertise your vehicle as a business vehicle or charge for transportation, you need a commercial policy...in Iowa anyway.
