I found an in-home dc site and in her policies she put:

Insurance

My home is currently insured under a standard homeowner’s policy. At this time, I do not carry Daycare Liability insurance. Any expenses for injuries/sickness/accidents/etc. occurring in the daycare home are the sole responsibility of the parent.

Would you bother to add this? Would it even stand up in court?? It's the first time I've seen this and was wondering if it was standard to do?

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