When setting up I was told I can set up a liability waiver by a lawyer but told it really has no legal standing, at most it would just be a deterrent for the parents if something were to happen. I'm a home daycare and for the number of kids I have I was told I do not need special insurance, that accidents would be covered by homeowners insurance. Over 6 kids I would need a specific insurance, it was only $50 a month and was great, even included legal fees if someone were to make a claim against me. I want to get it, but first I need to get the fence in the yard

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