13 kids in care

[cfred]

The problem with being over ratio and uninsured because of that, or being uninsured and within ratio is that IF there is a serious injury, no one's covered. If a serious incident takes place, resulting in parents having to leave work to care for a child or a child suffers long term/serious damage, I'd be highly skeptical of any parent just letting that go. I would think there would be legal repercussions in the form of formal charges, the business being shut down and a pretty serious law suit which would be paid for for the rest of the provider's life. We may all feel that we're doing the best that we can, and we are. However, things can happen that we never thought in a million years would. Wouldn't it be nice to be assured that if a child suffered a serious injury, the money is there for the family if they need it? If there's no insurance coverage, IMO, it's an incredible risk and not worth taking.

So far as those women having several children over ratio, I would report in a flat second if I knew for sure they were outside the legal boundaries. They are your competition and taking more than the legal and fair number of children prescribed legally, thereby potentially affecting your business growth. Play fair, play by the rules. Again, just my opinion.