This is exactly why I do not take my daycare kids anywhere that I need to use my car. The insurance, liability and getting into a accident with other people's children is why I have stayed away from transporting daycare kids.
If we can't get somewhere by walking then we don't go.
In fact I have had and have parents now that prefer that I don't take the kids anywhere in my car. For me, there is just too much that can happen and I don't want to take any chances. I would feel so horrible if God forbid, I got into a car accident with the daycare kids. I am a very good driver and have never been in any accident, but that doesn't mean that it would not happen.

I have a DCB, who is 4 yrs old that goes to a preschool 3x's a week in the mornings. I told the parents that they will have to find a way to get him there as I do not take kids in my car. No problem, they have a friend whose daughter is going to the same preschool and the Mom picks up and drops him back off here after preschool.

If I need to run errands, go shopping etc, I go at night or on the weekends.

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