Quote Originally Posted by kindredspirit View Post
I'm in NS, but wanted to chime in about insurance. TD told me they can't insure any home daycare if a pool is on the property, no matter how secure-just a blanket rule. I went to an insurance broker, and I found 2 companies (Portage and Wawanesa) that allow pools and home daycares.

I have an 'approved' dayhome, monitored by a licenced agency. They just require no access to the pool during daycare hours. I have a 6' fence around the pool, no access from the yard. The door from the house has 2 locks plus a safety chain at the very top. Then the deck off that door also has a gate to get to the pool deck, with 2 latches (one pulls across, the other is a safety latch). For the kids to come swimming, they come with a parent, after hours, and we keep a 1:1 ratio of adults to kids on the pool deck.
Do all insurance companies in NS allow the same amount of daycare kids? I know here in ON less than a handful of ins companies will cover you for the maximum 5 children the province allows. As a result if a provider with a pool wants maximum enrolment potential, then it would have to be one of these companies only who would allow the pool. I'm going to phone around on Monday and find out, although I'm a bit apprehensive about taking an agents word without seeing it in black and white, as many times they have not always read the policies on home daycare rules thoroughly and incorrect information is given.