Daycare.com Forum Kidacare by Minute Menu Force of Nature Disinfectant

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 02-18-2020, 12:13 PM
dolores's Avatar
dolores dolores is online now
Daycare.com Member
 
Join Date: Jan 2017
Posts: 85
Default Home and Business Insurance

My home does not qualify for home insurance from the standard companies i.e. State farm, AllState etc because of my in home daycare. They all explicitly tell me so. Some may do it if you have 6 or less kids but I am licensed for 12-16. I go through a broker to obtain building insurance and business liability insurance which together are very expensive. Both are getting close to renewal. I've contacted many on Tom Copeland's list and have been unsuccessful. I wanted to know...what insurance company do you use that is ok with inhome daycare?
Reply With Quote
  #2  
Old 02-18-2020, 12:29 PM
Blackcat31's Avatar
Blackcat31 Blackcat31 is offline
 
Join Date: Oct 2010
Posts: 18,925
Default

https://www.assurechildcare.com/chil...nce-quote.html
Reply With Quote
  #3  
Old 02-18-2020, 12:50 PM
Cat Herder's Avatar
Cat Herder Cat Herder is offline
Advanced Daycare.com Member
 
Join Date: Dec 2010
Posts: 12,308
Default

I used USAA, but they did have some dog breed restrictions for me and my State only allows 6.
__________________
- Unless otherwise stated, all my posts are personal opinion and worth what you paid for them.
Reply With Quote
  #4  
Old 02-24-2020, 10:28 PM
vlouie574's Avatar
vlouie574 vlouie574 is offline
New Daycare.com Member
 
Join Date: Apr 2019
Location: Long Island, New York
Posts: 6
Default

I use Allstate and they allowed me me to have the home daycare, it even states it in my policy as Home Day Care with $300k aggregate. The policy only covers a handful of kids so I have an additional liability policy with NEIS for up to 12 kids for 1mil/3mil coverage.

I say go to another Allstate location and ask again. But it is quite possible that every area is different. This is the link for the separate liability company

neisinc.com

They also do home insurance as well. You can ask them as well. Good luck!
Reply With Quote
  #5  
Old 02-25-2020, 08:46 AM
SpringBear's Avatar
SpringBear SpringBear is offline
New Daycare.com Member
 
Join Date: Jan 2020
Location: Western Ma.
Posts: 13
Default

I just got licensed and getting insurance through Assure Child Care was super quick and easy. My homeowner's didn't cover me, but our local agency, Amherst Insurance (in MA) was really good about finding a new company for homeowners, and it ended up almost $100 cheaper than what I was currently paying!
Their daycare insurance didn't cover dogs (dog could be there, but no liability for them), unless I went with a plan that cost twice as much. Assure was no problem and very reasonable.
Reply With Quote
Reply

Tags
business insurance, insurance, insurance - home

Thread Tools
Display Modes

Posting Rules
You may post new threads
You may 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
Ohio Before and Aftercare - Business Liability Insurance Unregistered Daycare Insurance 2 07-12-2018 01:15 PM
Home Daycare business... And EXES ruining your life. tehck_1013 Daycare Center and Family Home Forum 5 05-15-2014 12:44 PM
Registered Business Name for a Registered Family Child Care Home? *Sunshine* Daycare and Taxes 4 12-26-2013 04:10 PM
Home Insurance Rider Vs. Stand Alone Policy jolson Daycare Insurance 7 11-01-2011 08:49 AM
Where to get Business Insurance and Cost? kpa0627 Daycare Insurance 1 06-08-2010 07:35 AM


All times are GMT -7. The time now is 04:10 PM.



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