Hi, I'm hoping I can get some clarification. My daycare is opening very soon and I'm still sorting out insurance. As per previous threads here I want to make sure I know what I'm being covered for and had asked for a copy of the ryder to review. After several e-mails back and forth with my current home insurance provider, I got this response: "There are no wordings for the babysitting coverage. It just extends liability for up to 5 children, including your own, on your property only. It is an additional $150. What kind of things were you looking at for coverage?"
Can anyone help me? Should I have coverage while on outings as well or is only in your own home the norm? Do others have something in writing that specifies the coverage? Are there any more questions I should be asking to ensure I have the right coverage? I only have 1 child of my own for now and am only planning to take in a max. of 3 children, so I'm ok with the total number.
Thank you!