3.5k
Daycare and childcare providers in Winnipeg, Toronto, Vancouver, Ontario etc. in CanadaGarderies à Montréal ou au QuébecFind daycare or childcare providers in the USA
Forum control
+ Reply to Thread
Results 1 to 7 of 7
  1. #1
    Shy
    Join Date
    Aug 2011
    Location
    Nepean
    Posts
    13

    Insurance Questions...

    Hello,

    I am starting a daycare and hoping to be fully operational this September. I contacted my insurance company to inform of this and they were not pleased even though they do offer coverage for up to 4 children. I want to care for 5 children so I am looking into getting new insurance. Has anyone else had problems with getting coverage for their daycare? Also I did not know that it seems the insurance company includes your own children into the number of children you care for so if you have 2 kids you can only take on 3 daycare kids. I was not aware of this and do not know why they would be included. If anyone has any insight or experiences with this subject I would love to hear about it!

  2. #2
    Starting to feel at home...
    Join Date
    May 2011
    Posts
    156
    Thanked
    9 Times in 9 Posts
    I just got insurance and after a long search, found one that agreed for 5 children "not including" my own. It's State farm insurance.

    All the other insurance companies were insuring 5 including my kids. I have 3 so I would have been insured only for 2 dck.

    There is also Desjardins that offers 5, but probably not available in your area.

    Good luck!

  3. #3
    Starting to feel at home...
    Join Date
    May 2011
    Posts
    120
    Thanked
    15 Times in 14 Posts
    cooperators insurance will cover 5 kids not including your own as well. Right now I'm currently with RBC insurance and they will cover me for 4 dk not including my own two...but insurance companies will vary their coverage on person to person. it will depend on geography, number of own children etc...

  4. #4
    Starting to feel at home... dragonlady3's Avatar
    Join Date
    Feb 2011
    Location
    Ottawa, Ontario
    Posts
    51
    Thanked
    1 Time in 1 Post
    I have found that Cooperators has been most inclusive...and they will cover you if you have an assistant. This is something the Prov. of Ontario has told child care providers wasn't available.

  5. #5
    Euphoric !
    Join Date
    Mar 2011
    Location
    Ottawa
    Posts
    2,419
    Thanked
    599 Times in 439 Posts
    Cooperators is quite expensive and so I found that Aviva would cover 5 plus my own and they are much cheaper.

  6. #6
    Starting to feel at home... dragonlady3's Avatar
    Join Date
    Feb 2011
    Location
    Ottawa, Ontario
    Posts
    51
    Thanked
    1 Time in 1 Post
    Good to know. I will look into Aviva. Thanks...a penny saved...!!

  7. #7
    Shy
    Join Date
    Aug 2011
    Location
    Nepean
    Posts
    13
    Thank you for all the responses this has been very helpful!

Similar Threads

  1. Tax questions help
    By momofnerds in forum Managing a daycare
    Replies: 25
    Last Post: 03-03-2015, 10:03 AM
  2. Lots of Questions! Sick days/insurance! Need some opinions
    By Erinn W in forum Managing a daycare
    Replies: 13
    Last Post: 06-18-2013, 06:20 PM
  3. A few questions
    By GymMom in forum Caring for children
    Replies: 7
    Last Post: 10-24-2012, 01:58 PM
  4. Replies: 18
    Last Post: 09-04-2012, 11:42 AM
  5. I am new with a few questions!
    By pinks in forum Opening a daycare
    Replies: 6
    Last Post: 07-24-2012, 01:56 PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts

A few tips...

If you visited or if you're using a childcare provider found on DaycareBear, do not hesitate to leave a review. This will most certainly help other parents!
Updates
We expect providers to keep their listing and available openings up-to-date. However, to prevent oversights, openings expire after 45 days.
Partner in your
search for a daycare provider