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  1. #11
    apples and bananas
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    I'm confused.

    Why do I need my own kids covered under my daycare insurance?

  2. #12
    Starting to feel at home...
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    LOL @ Apples! You took the question right out of my mouth!! Why DO you need insurance for your own kids? You're their mom and they're in their own home so.... ??

  3. #13
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    my insurance is 75 for the year. the rider says coverage for 5 daycare children. i dont have young ones of my own so that isnt an issue for me but i dont see why you need to cover your own kids. best advice is speak to a broker who works on your behalf and can explain it in plain english.

  4. #14
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    i should add that maybe my policy has been grandfathered because i've had it so long.

  5. #15
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    That sounds abvout right Gramma - 5 kids total and since you don't have any of your own that isn't an issue.

    TD Waterhouse offers 6 kids including your own

    The thing about your own kids being included is crazy. I even told the agents that my kids are only here approx 2 hours out of the daycare time since they go to school but they would still count.

    The way the daycare providers' own kids factor in is that they feel like a provider cannot comfortably care for more than X number of children and be able to do so safely. It is ridiculous because the policies offered should match the legal limit of what we are allowed to have. It is annoying that the government allows us 5 kids + our own but the insurance can't be the same allowable numbers.

    I guess they consider home daycares to be too risky to ensure with 5 kids + your own

  6. #16
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    Oh and do you know what else really blows my mind and makes me scratch my head?

    I am now insured basically for only 3 dck under my policy since they are counting my two kids as liability kids for a total of 5.

    But which 3 of my DCKs are they covering?

    And they won't let me cancel off the insurance on the daycare because they said it is mandatory to have it when they know a daycare is operating out of the home but yet they can't give me the coverage I need.

    I wish at this point I could cancel it and save my $100 of daycare insurance a year. It is useless anyhow

  7. #17
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    I just got insurance threw a broker with farmers mutual they covered 5 plus my own 33 dollars a year per child plus a surcharge of 170 on the regular home insurance and I'm covered for everything, check it out.

  8. #18
    Euphoric !
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    Quote Originally Posted by Spixie33 View Post
    I am now insured basically for only 3 dck under my policy since they are counting my two kids as liability kids for a total of 5.

    But which 3 of my DCKs are they covering?
    I would suspect that the insurance doesn't cover 'specific' children. I think what would happen, in the case of a claim, that there would be no coverage for any of the kids if you're over the number they've specified within their restrictions. If you have more kids than their coverage permits on site at the time of an incident, I would assume that they will not honour a claim because there were too many kids to begin with, putting you in breach. I'm not an insurance expert by any stretch of the imagination, that's just my assumption.

    I'm with Wawanessa and pay around $86/mo for home and daycare insurance. I asked her repeatedly if this covers me fully for all 5 daycare children and she said yes, but insurance companies are tricky little buggers. My kids are all older now, so I don't have to worry about that aspect, thank goodness!
    Last edited by cfred; 04-03-2013 at 11:52 AM.

  9. #19
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    my kids are older too (9 to 15) and my oldest is my helper in the summer so how would she be classified. But I also have 2million liability so doesn't that cover my kids, but then who would I sue if something happens to them, that makes no sense whatsoever.

    oh, don't call southland, they are so expensive its crazy.

  10. #20
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    Sheesh, reading all these posts is scary...feels like insurance companies are "closing in" on home daycares in a sense...it's weird. The sad part is most of us are moms, who have our own kids. There comes a point where it won't be worth it anymore for us to operate...I'm freaking out! Lol

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