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

[babydom]

So Susie is right. Because you do not live in the home you will not be considered a home daycare you would be considered a nanny. a nanny that takes on more than one family has to follow the new bill 10 rules so you cannot have more than five and out of that five you cannot have more than two under two. you will not be able to claim Hydro water grocery bills things of that matter as it is not your own. you should be paid as nanny from the parent who owns the home then the other kids that come in will just pay you as well and you can provide them a receipt to claim as daycare and you will claim it as income and pay taxes on all of it at the end of the year. the family that owns the home I would give a discount to as you're running a business from there and using their house and their toys and they have to share everything plus use their water and hydro during the day for everyone so their bills will go up. I have done this arrangement before and it actually worked out really well the only thing I found hard was when the family that owned the home was sick or the kids were sick I still had to go there and take the other three kids while those kids and parents were home sick...it was a bit awkward , trying to keep the kids quiet while they rest and hearing them puke and such....lol. Also make sure you have a written contract with the people that own the home and all the daycare parents so if anything were to go sour everything is in writing to cover yourself. Good luck with everything.