Daycare.com Forum Daycare Forum

Go Back   Daycare.com Forum > Main Category > Daycare Center and Family Home Forum

Daycare Center and Family Home Forum Daycare Center and Family Home owners, Directors, Operators and Assistants should post and ask questions here.

Reply
 
Thread Tools Display Modes
  #1  
Old 02-12-2017, 09:50 PM
LovetheSun's Avatar
LovetheSun LovetheSun is offline
Daycare.com Member
 
Join Date: Aug 2014
Location: California
Posts: 159
Default Daycare Insurance?

Hello!

Which Daycare insurance do you have? And also did you ever had a situation where you had to use it?

Thank you!
Reply With Quote
  #2  
Old 02-13-2017, 01:55 AM
Logan Rivera's Avatar
Logan Rivera Logan Rivera is offline
Daycare.com Member
 
Join Date: Feb 2017
Location: Canada
Posts: 7
Default

Is there insurance for day care??? Its is the first time I am hearing about it.
Reply With Quote
  #3  
Old 02-13-2017, 03:54 AM
LysesKids's Avatar
LysesKids LysesKids is offline
Daycare.com Member
 
Join Date: May 2014
Location: Tennessee
Posts: 2,846
Default

Quote:
Originally Posted by Logan Rivera View Post
Is there insurance for day care??? Its is the first time I am hearing about it.
In many states it's actually required in order to open as a licensed home... I have always been a small home & State Farm will cover provided I am running legal in my state (licensed or legally license exempt here); I started out fully licensed 17 years ago in another state

Because I am infants only my limit is 4 babies & I pay extra for the daycare liability rider on my homeowners policy. There are companies that are daycare specific Ins too but they only cover legally licensed homes, not legally licensed exempt
Reply With Quote
  #4  
Old 02-13-2017, 06:17 AM
Pestle's Avatar
Pestle Pestle is offline
Daycare.com Member
 
Join Date: May 2016
Location: Tennessee
Posts: 1,700
Default

My homeowner's insurance doesn't have a day care option. I went to a local insurance agent and he hooked me up with the basic coverage--injury and abuse up to $1 million--with Mount Vernon Fire Insurance Company. Since I've never needed to use it, I can't review it!
Reply With Quote
  #5  
Old 02-13-2017, 08:00 AM
TXhomedaycare's Avatar
TXhomedaycare TXhomedaycare is offline
Daycare.com Member
 
Join Date: Mar 2015
Location: Lonestar State
Posts: 293
Default

I live in Texas and insurance isn't required but I have insurance through Assurance Childcare Insurance (there are only like 2 companies that offer insurance in TX). I have never used it before.
Reply With Quote
  #6  
Old 02-13-2017, 08:03 AM
Blackcat31's Avatar
Blackcat31 Blackcat31 is offline
 
Join Date: Oct 2010
Posts: 19,760
Default

Quote:
Originally Posted by Logan Rivera View Post
Is there insurance for day care??? Its is the first time I am hearing about it.
Are you in the U.S. or Canada?
Reply With Quote
  #7  
Old 02-13-2017, 12:22 PM
CityGarden's Avatar
CityGarden CityGarden is offline
Daycare.com Member
 
Join Date: Mar 2016
Location: The Happiest Place on Earth
Posts: 1,667
Default

I am considering using this company: https://www.dcins.com/
Reply With Quote
  #8  
Old 02-13-2017, 12:35 PM
Lil_Diddle's Avatar
Lil_Diddle Lil_Diddle is offline
Daycare.com Member
 
Join Date: Aug 2016
Location: Missouri
Posts: 187
Default

We have American family, as long as I watch less than 6 kids my homeowners is fine. After that they have an add on that is $50 extra a month.
Reply With Quote
  #9  
Old 02-13-2017, 12:36 PM
Lil_Diddle's Avatar
Lil_Diddle Lil_Diddle is offline
Daycare.com Member
 
Join Date: Aug 2016
Location: Missouri
Posts: 187
Default

I forgot to add the extra also would cover legal fees if anyone tried to sue me or make false accusations.
Reply With Quote
  #10  
Old 02-14-2017, 02:34 AM
Logan Rivera's Avatar
Logan Rivera Logan Rivera is offline
Daycare.com Member
 
Join Date: Feb 2017
Location: Canada
Posts: 7
Default

Quote:
Originally Posted by Blackcat31 View Post
Are you in the U.S. or Canada?
Hai friend,
I stay in Canada. But I often visit U.S as all my relatives are settled there. Me too was in U.S, but, I migrated to Canada since I got a very good job and now I am settled here with my family.
Reply With Quote
  #11  
Old 02-14-2017, 11:57 AM
TXhomedaycare's Avatar
TXhomedaycare TXhomedaycare is offline
Daycare.com Member
 
Join Date: Mar 2015
Location: Lonestar State
Posts: 293
Default

Quote:
Originally Posted by CityGarden View Post
I am considering using this company: https://www.dcins.com/
I used that company last year and they were fine but they no longer offered insurance in my state so they offered me another company and did not renew my policy.
Reply With Quote
  #12  
Old 02-14-2017, 02:48 PM
LovetheSun's Avatar
LovetheSun LovetheSun is offline
Daycare.com Member
 
Join Date: Aug 2014
Location: California
Posts: 159
Default

Thank you for your replies!

State Farm just offered us a Home plus Daycare insurance plan. Anyone has experience with them?
Reply With Quote
  #13  
Old 02-14-2017, 03:49 PM
LysesKids's Avatar
LysesKids LysesKids is offline
Daycare.com Member
 
Join Date: May 2014
Location: Tennessee
Posts: 2,846
Default

Quote:
Originally Posted by LovetheSun View Post
Thank you for your replies!

State Farm just offered us a Home plus Daycare insurance plan. Anyone has experience with them?
State Farm has insured me half my daycare years (since 2001)... so far so good, no claims lol. I pay monthly along with my auto policy (I don't transport either so that keeps cost down). In fact one of my new incoming babies at the end of month is coming from my Agents office so they must like how I run lol

They limit you to 6 kids I believe even if licensing might say you could have 8 (at least the 3 states they have covered me in); you have to be running legal for the state you are in also. Here in TN I am limited to 4 because I am infant only (licensed or legally licensed exempt)
Reply With Quote
Reply

Tags
daycare insurance

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Licensed DayCare vs. Private DayCare marylmr Daycare Center and Family Home Forum 60 02-24-2020 01:20 PM
Does Daycare Insurance Cover YOUR Injuries? SunflowerMama Daycare Center and Family Home Forum 4 05-29-2013 07:30 PM
2 1/2 Year Old Kick Out Of Daycare momagain Parents and Guardians Forum 12 04-29-2013 01:53 PM
Carrying Daycare Insurance vs Not? weebles5 Daycare Insurance 31 04-25-2013 07:47 AM
Insurance For Legally Unlicensed Home Daycare? Nickel Daycare Center and Family Home Forum 4 10-04-2012 02:47 PM


All times are GMT -7. The time now is 03:59 AM.



Daycare.com         Find A Daycare         List Your Daycare         Toys & Products                 About Us

Daycare.com
Please read our Disclaimer before continuing.

Topics pertain mainly to the following States:

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming