Do u drive with DC kids?

[bright sparks]

when u call your insurance you have to be clear. Clear that u just want an additional home childcare 'ryder' put on your vehicle and not offering the service of 'transportation for purpose of business' with the van. The bigger quote is if your using the van to transport kids solely for business. Like the before and after school programs that drive kids around. Ur van is solely for personal use but u sometimes want to use if for up to five kids that aren't your own so U just want to add the Ryder on ur car which is like 20$ extra a mth.

The term ryder is thrown around but its not accurate and is out of date. You should declare that you will be taking the kids in your vehicle occasionally so the policy will be amended to "occasional business" and you would additionally require to up your liability to $1m per child otherwise if there was an accident of the worst kind resulting in, god forbid, all 5 children to be lost and every parent sued you, $5 mil at least would be needed for that claim. Some insurance companies will absolutely flat out not insure you this way. This is state farms policy but it isn't a ryder as it is different for everyone who has different daycare needs and for some providers who go out daily and use their vehicle almost 50% of the time it is on the road carrying daycare kids. This coverage then wouldn't be enough.

I opted for a commercial policy that covers me for business and personal use with huge liability coverage. I don't want to have vague guidelines from anyone because if the lines are vague and blurred while having the insurance I have little faith when it would come time to claim and it just isn't worth it. Who would have thought it would be cheaper too.