Unlicensed Daycare and Swimming Pool??

[Inspired by Reggio]

I don't have a pool, but do you have extra insurance for your daycare? Did your insurance company accept to insure you with the pool? Many companies won't.

Yup ~ our broker told us when we were house hunting for a home for us to do daycare in not to purchase a home with a pool or a trampoline cause it would be challenging to find insurance company that would cover a 'pool' in the daycare ryder.

Gravy_train does your policy for your home childcare ryder clearly indicate that there is a pool on the premise?

You have to be very careful with ensuring that your ryder actually PROTECTS you otherwise you are paying into something that they have purposefully left open to being able 'void' your policy in the event of a claim stating 'that was not covered under your policy' ... aka if your policy does not clearly indicate that you have a pool AND are doing home childcare if you ever NEED your insurance they are going to be able to say 'sorry we were not informed there was a pool on the premise where the daycare was being operated and therefore the policy is void' ... I do not trust insurance company as far as I can throw em ... they always look for ways to deny deny deny!

Just last week a peer I network with found out that the insurance she THOUGHT has had for the past several years was not valid because it only covered 'three daycare children' instead of the 5 daycare children she is allowed and 'assumed' would be covered.

Never assume anything with insurance and make sure your policy is clearly worded to cover everything you NEED!