Insurance for 5 kids

[sunnydays]

That`s weird...we were with TD Meloche Mennox until I opened my daycare, but they would not insure us for daycare. They said the insurance only covered things like parents slipping and falling on the walkway etc., not something happening to one of the kids in my care. Make sure you ask exactly what is covered by your insurance! I switched to Wawanesa and they cover 5 daycare kids plus my own. It costs more than TD, but no choice.

I am with TD Meloche Monnex too and have 5 unrelated and 2 of my own children and they insured me. It was about $200 for the year for me :-) It is also a tax business write off

[BlueRose]

I switched to Wawanesa and they cover 5 daycare kids plus my own. It costs more than TD, but no choice.

I am also with Wawanesa and they cover 5 daycare kids plus my own

[momofnerds]

does anyone know if wawnesa will insure you if you have a pool

[SecondAve]

I am with TD Meloche Monnex too and have 5 unrelated and 2 of my own children and they insured me. It was about $200 for the year for me :-) It is also a tax business write off

You lucked out, when I called TD Meloche Monnex in January with pretty much the exact scenario I was told that it would fall under commercial insurance and they were not in a position to offer it to me. We ended up switching to the Co-Operators. When did you get your insurance with them, I find it strange that they said "no" to me.

[treeholm]

I'm with Wawanesa and we have a pool. The daycare children are not allowed in the pool area, however. The play area is a separate area.

[littlebugsdaycare]

I am with TD and they cover my 5 daycare kids and my daughter with home daycare liability insurance

[momofnerds]

we called wawnessa (thanks to you guys) and they quoted me even less than what I have now and they insured me for the daycare kids and 2million liability.

[sunnydays]

Again I just caution you to please ask them what is exactly covered with this insurance. They said yes to me too...but when I asked what exactly was covered, they said it is basically for things like parents slipping and falling on the walkway...NOT something happening to a child while in my care even if it is not my fault. This is not the kind of coverage I need...so I had to switch and believe me, we are paying way more all around for insurance and it hurts...so I would have stayed with TD if it seemed viable. Just be careful to know what you are covered for exactly.

I am with TD and they cover my 5 daycare kids and my daughter with home daycare liability insurance

[MonkeyPrincess]

ok now here's an important question. Is your daycare a legal and registered business, or are you doing it private? I was told by TD and Allstate that if you are private and don't have a legal and registered business, then you should be fine with your home insurance, just to up the liability for about 130-150 dollars. If you are a legal business, then you need commercial liability insurance, and they told me it ranged from like 700-1000 dollars. Fine if you make a ton of money, but i don't, i barely made 9 grand last year but In my honest opinion, i would pay it because i feel it's better to be safe than sorry.

[littlebugsdaycare]

Again I just caution you to please ask them what is exactly covered with this insurance. They said yes to me too...but when I asked what exactly was covered, they said it is basically for things like parents slipping and falling on the walkway...NOT something happening to a child while in my care even if it is not my fault. This is not the kind of coverage I need...so I had to switch and believe me, we are paying way more all around for insurance and it hurts...so I would have stayed with TD if it seemed viable. Just be careful to know what you are covered for exactly.

who do you have yours with? I was told when I signed on that I had full liability. I will call them today to double check that nothing has changed.