So just before I started my child care 2 months ago, I made sure I had a child care policy added to my home insurance and I don't have this recorded anywhere but I know I asked about whether it covers me if a parent accuses me of abuse of any kind and I'm pretty sure the person I talked to said yes. Now, I've actually received the documents outlining the policy changes and there's an exception in the small print about sexual abuse accusations not being covered. What? Obviously, I am not going to abuse the children in my care but that may not necessarily stop a parent from falsely accusing me and being that I'm the only person here with the kids, it will be my word against theirs AND I'll have no protection? I can just see it now: one false accusation and there goes my business, my reputation, my finances. Honestly, it scares me enough to make me think of quitting. Does anybody else's insurance cover/not cover that? Has anyone been through anything like that? Any suggestions on how to best protect myself? For example, if I was working at a center, I would try not to be alone with the kids but if it's me, at home, alone, what alibi could I possibly have? It almost seems to me that it won't matter whether it's true or not because how could anyone prove either way and I imagine, even if I was acquitted, it would still cost me financially, spoil my reputation and make me lose business.