I had a rider on my homeowner's policy, and it was $80. BUT...it will only cover actual medical expenses (so no lawyer if you are falsely accused of molesting a child, for example), and will not defend you in a court of law for those medical claims. They will not cover anything of gross negligence (example, if a child gets injured due to a recalled item, or even accidental food poisioning). It means it is 100% provider's fault & is the claim will be denied. In civil court, you absolutely would be liable for those expenses, though.

A professional daycare policy, with umbrella coverage would cost me $500-ish. Really do your homework though...the company I used for auto, home, & daycare(the only company that did a rider on homeowners in my state)...I could have gotten way cheaper auto & home that would have saved me about $900/yr in premiums(without the daycare rider),,,still a better deal, even with paying $500 for daycare policy, which provides real coverage, not just the bare minimum.

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