Our homeowners insurance has specific wording that points out there there is NO COVERAGE for daycare, and if an proper coverage is not maintained, the homeowners policy is null and void.

We have an additional policy that covers the premises, the kids, and anything that may happen at any location while children are in our care (field trip, in the car, etc).

Operating a daycare without insurance is just asking for trouble......all it takes is one lawsuit to lose everything you have worked your whole life to achieve....even if you win that lawsuit, the lawyer fees alone will wipe you out.

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