Driving the children

[Inspired by Reggio]

My insurance covers the children at no additional cost.

Out of curiosity how much liability to you have than including in your regular plan? Have they made a note on your policy that you have a home based business ryder on your vehicle at least?

IMU the standard policies only covers up to 1 million in liability ~ so if we were in an accident with multiple clients feeling the need to sue to recover for lost wages, medical expense and so forth for their child that would not go very far to pay them all and my understanding with civil suits in Canada is that anything over what our insurance plan does not cover they would be coming after the business owner personally

Which I guess is an acceptable risk if you have 'nothing' but we have our sons college fund, our home, our retirement savings and other equity I would not want to loose if ever faced with a tragedy

Also I would want it noted on my actual policy that the plan covers the 'home childcare ryder' on it for both your home insurance AND your vehicle because in the absence of stating this if you need to make a claim for ANY reason and they can claim you were not 'forthright' in disclosing this they can void your policy even if it was for something 'personal' you are claiming for .... it is in the little fine print in the definitions and clauses of things 'not covered' that most people do not read cause it is a long document!