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![]()


































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