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

[playfelt]

What you are doing isn't really a home daycare. You will be the nanny for the person who owns the home but it is considered a nanny share situation. At the same time because more than one family is involved you will need to also follow the new childcare ratios in regards to ages and totals. Your children will count and may actually count differently since it is not your home. The home owner needs to get the ryder on her insurance and she in theory should be getting coverage for you for CPP, etc. as her nanny since you are in her home caring for her children. You for sure need to possibly get a legal ruling on just where things stand as what you are thinking is a simple situation is not. You will not be able to claim any of the expenses you incur in their home in terms of running the daycare because the new bill prevents operating a daycare out of a place that is not your own home without a license but at the same time you are not able to get a license for someone else's home. Might for sure want to rethink this situation if you wish to operate legally.

[Suzie_Homemaker]

What you are doing isn't really a home daycare. You will be the nanny for the person who owns the home but it is considered a nanny share situation. At the same time because more than one family is involved you will need to also follow the new childcare ratios in regards to ages and totals. Your children will count and may actually count differently since it is not your home. The home owner needs to get the ryder on her insurance and she in theory should be getting coverage for you for CPP, etc. as her nanny since you are in her home caring for her children. You for sure need to possibly get a legal ruling on just where things stand as what you are thinking is a simple situation is not. You will not be able to claim any of the expenses you incur in their home in terms of running the daycare because the new bill prevents operating a daycare out of a place that is not your own home without a license but at the same time you are not able to get a license for someone else's home. Might for sure want to rethink this situation if you wish to operate legally.

I think we are reading this differently.

You seem to think she is sharing home with home owner, looking after owner's children and taking in more.

I think she's just renting a house and happens to have a friendship with the landlord/owner. Because she plans on opening a day care in the home she is renting, her friend is sending her children to her.

Can you clarify please, ReadySetGoPlayschool ?

[ReadySetGoPlayschool]

Playfelt - Can you send me a link to the "new bill" you mentioned? I do wish to operate legally of course. We entered into this obviously thinking it was much simpler than it is.