Research question

[treeholm]

Just be careful regarding your insurance company. I registered my business for the reasons Reggio mentions, set up a business bank account, and advertised in my business name. Then, my insurance company said they would only cover me if I operated under my personal name and had the parents give me cheques made out to me personally. They would not cover a commercial daycare and said I had to be an ECE to run a daycare in any other name. They are confusing a licensed home daycare with a private home daycare, I realize that, but they said a private home daycare can only run in my own name. I decided not to fight it, because if I try to switch insurance companies, the next one might have an issue with my pool... so, I'm going to have to close my business bank account, and tell the parents to issue future cheques in my own name instead of my business name. What a pain... I had already deposited the first cheques into my business account since they were written to my business name.

[Inspired by Reggio]

Just be careful regarding your insurance company.....

Yes whomever your agent is is being a cow!

I had an issue when I was first starting and wanting to 'transport' children for field trips and outings and the agent on the phone quoted me a ridiculous price of almost $3000 a year and I thought how the hell can any provider afford to offer transport than cause I knew LOTS that transported .... found out later what the asshat was quoting and telling me I required was basically 'taxi / school bus / public transportation' insurance premium where the primary business is transporting multiple children and um I am not doing that and I already HAVE personal insurance on my van ~ I just needed a little ole ryder to for additional liability for home childcare .... which is what I have now cause I found an agent at the company who had a clue