Insurance Question

[Spixie33]

I have day home insurance but I am not sure if it would cover me if allegations of abuse ever came up. I attended a daycare course through our region and the instructor advised that the best way to cover your own butt is to write a journal for yourself every day and keep it.

If you get accused 5 years from now because a child who is not 8 years old suddenly decides to tell the parents that at Miss Mary's house they touched me......well most of us will probably have a hard time accounting for our day 5 years from now.

What she suggested is that every day you make a few notes for YOURSELF...who attended daycare that day, did anyone stop by like one of your friends' sons or the furnace repairman, did anything unusual happen like you had to give one of the children a bath etc....

Then you have everything documented and dated for every day and you can back yourself up by showing your records.

It sounds like a safe and wise idea. I don't do it but I can imagine it would be your best defense.