How much do you pay for home daycare insurance?

[carewithlove]

We had this problem 3 years ago and was very complicated. People paying over $1000/year for premium are doing the right thing.
A rider on your home insurance is not a daycare insurance... it will never cover: liability for abusive accusations or any other lawsuit that originates from your customers (and trust me, customers can do that very easy) it will not protect 5 children plus your own and the very limited and useless coverage is just applied to the limits of your property.
To have a minimal childcare coverage that extends to ALL the children in your care and really covers you also outside your property (where most accidents happen like parks, playgrounds and wadding pools, etc) you will have to pay that $1000/year and if you are dropping off and picking up the children from school with your private vehicle you need the "paying passengers" insurance on your vehicle too... that is about $100/year otherwise you are not covered for any children in your care that are transported in your car...

Hope this helps and always ask the whole set of questions.... and never get a home rider for you childcare...