Daycare.com Forum

Go Back   Daycare.com Forum > Daycare Insurance

Daycare Insurance Discuss your insurance and liability concerns here.

Reply
 
Thread Tools Display Modes
  #1  
Old 10-13-2011, 07:15 PM
themoorethemerrier's Avatar
themoorethemerrier themoorethemerrier is offline
Daycare.com Member
 
Join Date: Sep 2011
Location: WNY
Posts: 161
Default Day Care Insurance?

I was recommended to get dc insurance. So, I'm looking into it. Here are my (some semi-related) questions!

Do you have any? Ever known anyone that was caught up in a situation that did or should have had it?

(If you don't mind...) what's the monthly premium?

I see on the insurers website that excludes coverage on our dog if we don't keep her separate, which I understand because I've heard the horror stories. What do you do with your pets during dk?
Reply With Quote
  #2  
Old 10-13-2011, 07:36 PM
KBCsMommy's Avatar
KBCsMommy KBCsMommy is offline
Licensed Daycare Provider
 
Join Date: Jul 2011
Location: California
Posts: 388
Default

My dc insurance doesnt limit where the dog has to be, they just dont want certain breeds to be in the household. We have an english mastiff, she stays in the house but I have baby gates up to seperate living and daycare areas.
Shes great with the kids but she always licks them if they get to close!!
Reply With Quote
  #3  
Old 10-13-2011, 11:45 PM
dave4him's Avatar
dave4him dave4him is offline
Advanced Daycare.com Member
 
Join Date: Oct 2011
Posts: 1,336
Default

I still need to look into getting some insurance but am curious as well. Our current home owners insurance company who does our cars as well seemed to get nervous when i asked about having a daycare in the home and didnt give me any rates.... we got into a car accident Sunday and i have heard more from Farmers which is the other party who was at fault, then i have my own company. Im thinking of switching to Farmers and seeing how much it would cost with them. If i get a whole lot more kids and more equipment then i might need to get the insurance.
__________________
"God said, I have found David son of Jesse, a man after my own heart. He will do everything I want him to do.'"
Acts 13:22
Reply With Quote
  #4  
Old 10-14-2011, 04:34 AM
beachgrl's Avatar
beachgrl beachgrl is offline
Daycare.com Member
 
Join Date: Aug 2011
Location: where the waves crash..in my time off at least
Posts: 554
Default

I haven't hadvthe extra $ to get mine yet butbi want to have it just in case, it wasn't too bad price wise around $200 year I think but we have to pay it all at once w the companybthat does our homeowners, not sure what others get ratewise from other ins co
Reply With Quote
  #5  
Old 10-14-2011, 10:08 AM
permanentvacation's Avatar
permanentvacation permanentvacation is offline
Advanced Daycare.com Member
 
Join Date: Jun 2011
Location: Maryland
Posts: 2,456
Default

You can try www.afds.com for insurance.

If you are doing daycare out of your home, many homeowners insurance policies offer a rider for home daycare.
Reply With Quote
  #6  
Old 10-15-2011, 12:09 AM
Sprouts's Avatar
Sprouts Sprouts is offline
Licensed Provider
 
Join Date: Dec 2010
Location: New York
Posts: 801
Default

Quote:
Originally Posted by permanentvacation View Post
You can try www.afds.com for insurance.

If you are doing daycare out of your home, many homeowners insurance policies offer a rider for home daycare.
Do you use this insurance? I just signed up for a qoute
Reply With Quote
  #7  
Old 10-15-2011, 05:14 AM
themoorethemerrier's Avatar
themoorethemerrier themoorethemerrier is offline
Daycare.com Member
 
Join Date: Sep 2011
Location: WNY
Posts: 161
Default

I finally got a quote from afds, but I need to call in because I accidentally changed that I would have up to 16 kids without a license. I'm surprised that they didn't deny me since they should be aware of NYS laws.

I'm going to check with my homeowner's insurance, but I have a feeling that they won't have it.
Reply With Quote
  #8  
Old 10-15-2011, 05:32 AM
melskids's Avatar
melskids melskids is offline
Advanced Daycare.com Member
 
Join Date: Feb 2010
Posts: 1,767
Default

i use marshall & sterling for my daycare insurance. they have policies specifically for daycares. i cant' remember off the top of my head if its through travelers or progressive, i just woke up....lol they are located in Leeds, NY., i dont remember the phone number either....lol i can go dig out my poilcy and get back to you after ive had my coffee....lol


a friend of mine who is also a provider gets hers right through her homeowners.
Reply With Quote
  #9  
Old 10-15-2011, 06:01 AM
themoorethemerrier's Avatar
themoorethemerrier themoorethemerrier is offline
Daycare.com Member
 
Join Date: Sep 2011
Location: WNY
Posts: 161
Default

Good to know - I have Travelers, so I'm going to check with them. Last summer we started toting poultry and produce to the farmer's market, and they didn't even know where to find that kind of insurance. I would love to just tack it onto my homeowners.

My only thought is will it cover lawsuits over maltreatment or abuse accusations? I heard that that is the #1 reasons for providers to be taken to court. Since my hubs will be my assistant, and like it or not, men are more likely to be targets for abuse accusations, I'd like to make sure we're protected.
Reply With Quote
  #10  
Old 10-15-2011, 09:51 AM
sahm1225's Avatar
sahm1225 sahm1225 is online now
Advanced Daycare.com Member
 
Join Date: Jun 2010
Location: Midwest - where winter never ends!
Posts: 1,747
Default

I use west bend insurance and they are wonderful!

I use to have it with my homeowners and it was only $80/year and it covered up to 4 kids (plus my 2 kids). This one is about $600/year, covers up to 16 kids. I also added:
- extra insurance because i have a dog and a cat
- extra property insurance
- increased some of the coverages
- added field trip coverage
and I cant remember what else, but I basically said yes to just about all the add ons. I figured if I ever have a claim that I will be covered so the extra costs was worth it.

We recently had a massive rain storm (it actually made records with a large amount of rain fall in a small amount of time) and we got water damage in our daycare area. My homeowners insurance would not cover it (stating that we don't have flood insurance BUT we are not allowed to purchase it because we are not in a flood area!), so I called West Bend. They were wonderful! We run the daycare out of the lower level and we had a lot of damaged toys and big items (bookshelves, books, kids chairs, high chairs/booster chairs, etc.) and they covered the claim with no issues. Even called me back to follow up and make sure it was sufficient to replace all of the damaged items!!
Reply With Quote
  #11  
Old 10-15-2011, 07:37 PM
gelbesonn's Avatar
gelbesonn gelbesonn is offline
Daycare.com Member
 
Join Date: Aug 2011
Posts: 46
Default

I haven't taken the time to switch, but a few providers in my area network use this insurance: Adults and Children's Alliance- (http://www.acainc.org/)
It is specifically for providers. The premium varies with how much coverage you want and the amt of children you have.
Reply With Quote
  #12  
Old 10-17-2011, 11:44 AM
Meeko's Avatar
Meeko Meeko is offline
Advanced Daycare.com Member
 
Join Date: Mar 2011
Location: Utah
Posts: 4,049
Default

Separate insurance is often better. Years ago, I called my home owners insurance for a quote and they cancelled my policy on the spot. We had to scramble to get new home owners insurance. Day care is considered a high liability.
Reply With Quote
  #13  
Old 10-24-2011, 12:44 PM
jolson's Avatar
jolson jolson is offline
New Daycare.com Member
 
Join Date: Jan 2011
Location: Montevideo, MN
Posts: 8
Default

Quote:
Originally Posted by sahm1225 View Post
I use west bend insurance and they are wonderful!

I use to have it with my homeowners and it was only $80/year and it covered up to 4 kids (plus my 2 kids). This one is about $600/year, covers up to 16 kids. I also added:
- extra insurance because i have a dog and a cat
- extra property insurance
- increased some of the coverages
- added field trip coverage
and I cant remember what else, but I basically said yes to just about all the add ons. I figured if I ever have a claim that I will be covered so the extra costs was worth it.

We recently had a massive rain storm (it actually made records with a large amount of rain fall in a small amount of time) and we got water damage in our daycare area. My homeowners insurance would not cover it (stating that we don't have flood insurance BUT we are not allowed to purchase it because we are not in a flood area!), so I called West Bend. They were wonderful! We run the daycare out of the lower level and we had a lot of damaged toys and big items (bookshelves, books, kids chairs, high chairs/booster chairs, etc.) and they covered the claim with no issues. Even called me back to follow up and make sure it was sufficient to replace all of the damaged items!!
West Bend/NSI is outstanding. I am an independent insurance agent in MN and West Bend is my company of choice when it comes to Childcare Insurance. They do business in the following states: Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, and Wisconsin.

If anyone is looking for assistance in MN, I would be happy to help you out with a quote or just answer any questions you may have.
Reply With Quote
  #14  
Old 10-24-2011, 01:37 PM
Oneluckymom's Avatar
Oneluckymom Oneluckymom is offline
Daycare.com Member
 
Join Date: Jul 2011
Location: california
Posts: 1,002
Default

Anyone know of good daycare insurance in Cali?
Reply With Quote
  #15  
Old 10-24-2011, 03:51 PM
misspollywog's Avatar
misspollywog misspollywog is offline
Daycare.com Member
 
Join Date: Sep 2011
Posts: 175
Default

Quote:
Originally Posted by Oneluckymom View Post
Anyone know of good daycare insurance in Cali?
^^ What she said, except in Idaho?
Reply With Quote
Reply

Tags
insurance

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
Does This Termination Letter Sound Okay? kpa0627 Daycare Center and Family Home Forum 18 01-03-2013 10:16 AM
Child Care Facts Blackcat31 Daycare Center and Family Home Forum 0 08-24-2012 09:29 AM
Advice On Rates For Different Ages? Little People Daycare Center and Family Home Forum 14 02-02-2011 04:06 AM
Family Childcare Training Crystal Daycare Center and Family Home Forum 0 10-22-2010 01:48 PM
Laundry's Contract (Three Parts) laundryduchess@yahoo.com Daycare Center and Family Home Forum 2 02-02-2010 12:10 PM


All times are GMT -7. The time now is 07:22 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