I am with Meloche Monnex. I have six kids in my care (including my own) and I have a hired helper. They cover me for the kids and the helper while on my property and in my care. For any injury that any child gets while on my property or in my vehicle. And any parent on my property.
And since I don't plan on abusing any children LOL....I think and feel that I am covered just fine. I called and inquired today and they are sending me another copy of all the inclusions and exclusions for the ryder on my home. Once I look it all over if I feel that I am not adequately covered I may look more into it.
But lets face it. We live in Canada. Us Canadian folk don't often sue each other.......we are not lawsuit crazy like some other countries south of the border.
And if you are planning to do field trips wouldn't a signed waiver by a parent be adequate enough coverage to not get sued? Something that says they are aware of the risks and agree for the child to participate in field trips. Much like I had to sign for my school aged child to go on field trips?