Insurance help needed - opening daycare in someone else's home

[ReadySetGoPlayschool]

Ouch. Some harsh and definitely worrisome replies. Hoping I can clear things up.

I have no children of my own. I am operating a home daycare of out someone else's home. 2 of the children enrolled in the daycare live in that house. We are entering into this arrangement because it is mutually beneficially - I get to have the career that I want and my house is not an appropriate place for a home daycare. She gets to have her kids with a caregiver that she trusts.

I will be self employed. I have set the hours, wage, etc. The home owner is paying the same price as everyone else and she is not earning a percentage of my income.