I'm not registred, but I carry it anyway just to protect myself in case of an accident, because you just never know! I would rather be safe than sorry, and it also makes me look more business like and professional when parents know I have it. Here, it is really cheap, as I have a daycare rider that I added for $80/YR FOR $300,000 worth of coverage. I would never think of not having it. Sure I would like to not spend the money, but again, just in case, because ya never know what could happen.

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