I'm so disgusted. I was licensed last November and got insurance from West Bend and had to pay $619 for the year for 2 million coverage. Well, I just cancelled my insurance last week because I don't have any kids. Now, it looks like I will be getting 2 families in April and I'm looking at State Farm where I have my house and car with.

They charge $225 a year but it's only for $500,000 coverage. There's such a big difference in the coverage and I'm wondering what others have for insurance and has anyone ever been sued by a parent?

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LOTS of threads about insurance https://www.daycare.com/forum/tags.php?tag=insurance

These guys are pretty good and reasonably priced too; http://acainc.org/insurance_family.html

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thanks blackcat; I did a search on insurance before but I didn't come up with much.

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I have State Farm daycare insurance (personal liability) at $500K. I have not been sued and I hope that doesn't happen

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I just baught dc insurance through New England Insurance Services Inc. And got the million dollar policy and covers 3 incidence. They are reasonable and deal dc.

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My insurance agent suggested 1 or 2 million. The difference in rate was $21. For $21 a year, I opted for 2 million dollar coverage and I pay $460 annually.

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This is who I use. Very reasonable and excellent coverage. Thankfully I have never needed it. I used to have State Farm when I lived in CA but they would not cover me once I went about 5 kids and even refused to cover us for renter's insurance because of my daycare.

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Ho no!! I pay $570 a year for $100.00 for liability. I just have 3 kids right now.

Thank you for the info.

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Thanks for the info!

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I have a rider on my homeowners because I am required to but I also have a policy through DCI- dcins.com (recommended by the National Assoc for Family Child Care). They seem to be around the same cost as the ACA company- for my state anyway. I pay $381 a year for a million dollar policy.

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