Hi Jacky,

My homeowners insurance offers liability insurance for daycares that is added right onto my homeowners policy and monthly payment. I like this as it is collected with my monthly mortgage payment and re-dispersed to the insurance company through the escrow account. Then at the end of the year, I get a statement for my taxes from my homeowners insurance company.

If you like this idea and want to ask your homeowners insurance company about it, I would encourage you to tread very carefully and approach them in a hypothetical manner. Some insurance companies might have a completely opposite reaction than mine and drop you all together from their coverage even for thinking about home daycare because they feel that home daycare is too big a risk.

I'm not sure if that is the information you were looking for, but I hope it helped.

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