Just got off the phone with my insurance agent. The things that one could be doing to require commercial insurance for family day care would be if they are advertising the day care on their car then the vehicle is considered a commercial vehicle, or if the vehicle is used only for the day care then it would be considered a commercial vehicle. I one is not doing those things then they do not need commercial insurance.

If you are not doing the above mentioned things then in CA the business is not considered a commercial business.

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