Insurance Considerations for Unlicensed Care?

Hello everyone,

I'm hoping to care for a couple of kids beginning in October, as I'm preparing my home for care in the interim. I have a 3yo DS and a 19mo DD who I have been home with for 3 years. I have an enormous love and respect for children and feel that being a DCP to a couple of kids would benefit everyone :)

I'm wondering if I need to purchase any special insurance for liability etc?

TIA!

YES! Contact your home insurance, and see how many children you're allowed, and find out the prices for that. Otherwise, find someone else.

I believe there are some threads here about home and daycare insurance that you can search.

Yes, daycare liability insurance is imperative. If you are operating a daycare out of your home and do NOT have a daycare rider and something happens TO your home (fire, flood etc) the insurance company will not cover you.

Thanks ladies! I am going to phone them right now :)))