One of my new after schoolers is anaphylactic to peanut butter. We didn't have a formal interview, because she's a friend of one of my current dck's and her mom said that she's satisfied by their reports, blah blah.

She did not mention her allergy. I found out like this:

DCG (while having snack on her first day):"Alphaghetti, my mom asked me if you know that I'm allergic to peanuts".

Me: No, I didn't know that. Do you guys keep peanut butter in your house?

DCG: Yes, my brother eats it, but I'm not allowed.

I say nothing at pickup. I was kinda still stunned, and wasn't sure how to react to the situation. She texts me later and says that her ex husband will be dropping off DCG's epi pen. Ohhh...so she's anaphylactic. Mighta been something you'd want to mention BEFORE I fed her.

Anyway...my husband notices the epipen, and tells me "OMG NOOOOOO I don't feel comfortable having you care for an anaphylactic kid in our home. Please get rid of her. This is not ok with me, and besides I don't think your insurance will cover this". DH also thinks that the fact that mom didn't tell me about her allergy is reason enough to terminate. DH also thinks that the $45 dollars in revenue she's bringing to the table is not nearly worth the repercussions should something happen while she's in my care.

What do you guys think? Any thoughts, suggestions, comments? Does normal daycare insurance cover this? I look forward to your feedback.