Hello, I have discussed insurance on here before and cannot find my post. What type of insurance does my home daycare need? and what does it cover?

SICK DAYS! Ok so as the care provider what do I do if I fall sick? I would feel awful charging the parents, knowing some may have to lose a days pay to stay home with their child?? My care provider used to charge and I really didn't like it? what to do?

If a child that I care for is sick I should receive pay still, correct. I need to prep my backbone here!

Vacation days/Personal days! How many should I as the care provider have in a year? Are they paid?

HELP Thanks!