Insurance in Ontario (Toronto to be specific)

Is anything other then home insurance mandatory for in home daycares? Im starting up in July and didnt even think about this?

I JUST went through this. Its a pain. I have 1 baby of my own so after the new law comes into effect in January I will be able to have 4 day care kids. Currently I can have 5 day care kids by law.
My insurance only covers a maximum of 5 kids including my own. So 4 day care kids. I also asked why my own kids would be taken into account because I would not sue myself for costs of an injury. They said it didn't matter.
I'm in northern Ontario so our choices are limited unfortunately!

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Originally Posted by innisfildaycare

Is anything other then home insurance mandatory for in home daycares? Im starting up in July and didnt even think about this?

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It would depend on where you live. Some areas you need to be inspected, some areas you need to be licensed. Others you need nothing.

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Originally Posted by Cadillac

thanks for the above comment. Who are oyu guys with though? Everyone I called says my kids are included so if you could give me the nme of the insurance company then I will call them

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When I get home from my 2nd job tonight I'll PM you may State Farm agents number. She is in Milton but it doesn't really matter where the agent is.

From my understanding, all daycares in Ontario have to be insured as of sept 1, 2015.
Personally, I think that it is stupid, reckless and entirely unprofessional. Everyone feel free to sh@t on me, but that's he way that I feel:unsure:
Unfortunately, with today's perception of home based daycare , I believe that we need to do everything in our power to not only seem, but be professional.
And just like any other business we need/ should have insurance.

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Originally Posted by bright sparks

When I get home from my 2nd job tonight I'll PM you may State Farm agents number. She is in Milton but it doesn't really matter where the agent is.

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THANKS!

THey flat out just told me no and basically hung up so someone who knows something at that agency would be helpful

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Originally Posted by 33 Daiseys

From my understanding, all daycares in Ontario have to be insured as of sept 1, 2015.
Personally, I think that it is stupid, reckless and entirely unprofessional. Everyone feel free to sh@t on me, but that's he way that I feel:unsure:
Unfortunately, with today's perception of home based daycare , I believe that we need to do everything in our power to not only seem, but be professional.
And just like any other business we need/ should have insurance.

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Just wondering what the hell happened to warrant that explosion? We are all talking about how to get insurance in this thread, not how to avoid it!

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Originally Posted by Cadillac

Just wondering what the hell happened to warrant that explosion? We are all talking about how to get insurance in this thread, not how to avoid it!

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pardon???? what explosion? someone mentioned that some places don't need insurance, and i personally know alot of providers that feel they don't or shouldn't have it. I was not directing my comment at anyone, nor felt I was attacking anyone, in fact just the opposite.

this thread is for information . . . can we not turn it into a place to puff out our feathers and state our opinions? it brings things off topic and what I need is the info that can be provided. . .

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Originally Posted by Cadillac

this thread is for information . . . can we not turn it into a place to puff out our feathers and state our opinions? it brings things off topic and what I need is the info that can be provided. . .

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What ever.... Allstate