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Old 11-16-2008, 08:32 AM
michellezearfoss@hotmail. michellezearfoss@hotmail. is offline
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Default Insurance?

Hey, I have my own day care in my house. I am not licensed, i do own my own home with home owners insurance. I have been reading i should purchase extra insurance such as business liabiilty insurance. does anyone else here have extra insurance? I am in NY.
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Old 11-16-2008, 11:35 AM
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I live in Illinois. I do have additional insurance on my daycare. It is an extension to my homeowners. I would reccommend it.
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Old 11-27-2009, 07:35 AM
JKelly
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Default Insurance

Not sure how it works in your state but make sure the company that covers your homeowners insurance knows that you have a daycare business out of your home. Some insurance companies will not cover it even if you have separate daycare insurance.
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Old 12-07-2009, 09:53 AM
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Default I have Been Meaning to get it...

We have American Family and they will cover you with an add on to your policy. It is not that much more per year. I think I will call in January and add it on. This kind of coverage is very important.
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Old 12-07-2009, 11:15 AM
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Hi, I also live in NY and it was very hard to find liability insurance that was affordable. I ended up going through the child care council. They have a very affordable plan.
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