Insurance- the ongoing headache

[sunnydays]

I am with Wawanesa and I had to switch from TD actually at a considerably higher rate The thing is, TD would insure me, BUT it wasn't the kind of insurance I needed. I asked what was covered and they said things like parents slipping and falling in the driveway, NOT one of the children getting injured while in my care. Be VERY careful to ask what exactly is covered before you decide which company to go with. I don't know if the agents (I called more than once to double-check) I spoke to from TD were wrong...I wouldn't want to find out the hard way!

[Spixie33]

I am with Wawanesa and I had to switch from TD actually at a considerably higher rate The thing is, TD would insure me, BUT it wasn't the kind of insurance I needed. I asked what was covered and they said things like parents slipping and falling in the driveway, NOT one of the children getting injured while in my care. Be VERY careful to ask what exactly is covered before you decide which company to go with. I don't know if the agents (I called more than once to double-check) I spoke to from TD were wrong...I wouldn't want to find out the hard way!

Exactly what I heard from a TD insurance agent.

They cover falls but no actual injury that stems from our work or could be considered that we were not doing our job to ensure the child was safe.
Well...accidents happen so that sounds like right away they would say any injury with a lawsuit is our fault because we were not doing our job and not ensuring the child was safe.

The actual liability coverage was basically for parents and kids slipping on an icy walk by the sounds of what I heard