Yeah your homeowners insurance doesn't want to be liable for what happens at your business. It's not required but it's really a good idea to be anyway! Last summer my friend's 4yr old slipped while playing outside at daycare and landed on her elbow. She ended up having surgery with pins and months of casts and physical therapy. All from a freak accident at daycare. I signed myself up that very night! If that happened at my house we would be liable and technically her provider was liable but I don't know if she told the ER where it happened or not. Some companies send you a questionnaire about where this incident took place and if it happened at home or school they cover it but at someone else's house they go after their insurance.

I have DCI and it's very reasonable, $400-500 a year maybe including coverage for myself. They have an insurance section for members I believe and you can contact them directly!

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