3.5k
Daycare and childcare providers in Winnipeg, Toronto, Vancouver, Ontario etc. in CanadaGarderies à Montréal ou au QuébecFind daycare or childcare providers in the USA
Forum control
+ Reply to Thread
Page 1 of 2 1 2 LastLast
Results 1 to 10 of 11

Thread: Insurance

  1. #1

    Insurance

    Ive been looking into insurance for my home daycare and I do not want to just add it to my existing honme insurance. Im having a hard time finding insurance. Anyone care to share who you are with?

  2. #2
    Expansive...
    Join Date
    Jul 2012
    Location
    Ontario
    Posts
    529
    Thanked
    213 Times in 145 Posts
    What do you mean you "don't want to just add it to your home insurance"??

    As far as I can tell, most of us have a day care rider added to our policy, it's the standard insurance available for daycares.

    Separate insurance would likely be Commercial.

    Seems Monex and Wanasea (spelling?) are common insurance providers used by home daycares.

  3. #3
    Shy
    Join Date
    Jul 2015
    Posts
    12
    Thanked
    4 Times in 3 Posts
    My home daycare policy is with the Co-operators

  4. #4
    Expansive... babydom's Avatar
    Join Date
    Jul 2014
    Posts
    770
    Thanked
    283 Times in 223 Posts
    I'm also with the co-operators.

  5. #5
    Shy
    Join Date
    Sep 2015
    Location
    Ottawa
    Posts
    11
    Thanked
    5 Times in 3 Posts
    I have my home and auto insurance with TD Meloche Monnex and I just called them to add a daycare rider and they refused - said they don't do it and I need commercial insurance?? Now I'm running around trying to find insurance elsewhere... Also called CAA and they don't do daycare coverage either! Any advice?

  6. The Following User Says Thank You to LilDuck For This Useful Post:


  7. #6
    Euphoric !
    Join Date
    Jan 2015
    Posts
    1,305
    Thanked
    486 Times in 369 Posts
    Quote Originally Posted by LilDuck View Post
    I have my home and auto insurance with TD Meloche Monnex and I just called them to add a daycare rider and they refused - said they don't do it and I need commercial insurance?? Now I'm running around trying to find insurance elsewhere... Also called CAA and they don't do daycare coverage either! Any advice?
    This is common. Not all insurance company will do it and they will suggesting commerical through themselves. CAA never do it. And some only insurance few children.

    TD and Wawanesa seem be most common in Maritimes.

  8. #7
    Euphoric !
    Join Date
    Jan 2015
    Posts
    1,305
    Thanked
    486 Times in 369 Posts
    Oh and TD seem be useless when ever issue. Local provider had daycare cover with them. Called to inform of move and give new address. Then told they not do daycare cover. Then she check and find out person she speak to was wrong. She call TD back and they said yes, she right, they do insure but because person she spoke to cancel her insurance, they not able to undo that and she had to reapply from beginning! Seem crazy system to me if that accurate.

  9. #8
    Quote Originally Posted by LilDuck View Post
    I have my home and auto insurance with TD Meloche Monnex and I just called them to add a daycare rider and they refused - said they don't do it and I need commercial insurance?? Now I'm running around trying to find insurance elsewhere... Also called CAA and they don't do daycare coverage either! Any advice?
    Hang up and speak to another. We got a nice deal with TD and they insure up to 6 kids.

  10. #9
    Euphoric ! bright sparks's Avatar
    Join Date
    Feb 2011
    Posts
    2,074
    Thanked
    807 Times in 564 Posts
    State Farm cover up to 5 plus your own. The rider works out to be @$250 a year additional and they are an easy company to work with if there is a claim. I wouldnt recommend going with an insurer based on dollar amount, but more so on specifics of policy coverage and how good they are to deal with if the need to claim arises.

  11. #10
    Shy
    Join Date
    Sep 2015
    Posts
    11
    Thanked
    3 Times in 2 Posts
    I've got coverage with CAA, they may be confused thinking its a separate business ( they actually had to call me back as at first refused). Let them know it's HOME daycare and only 5 kids, unlicensed. This is in Ontario anyways.

Similar Threads

  1. Insurance
    By Erinn W in forum Opening a daycare
    Replies: 12
    Last Post: 03-07-2013, 03:20 PM
  2. Insurance
    By MonkeyMamma in forum Opening a daycare
    Replies: 6
    Last Post: 02-19-2013, 09:48 AM
  3. Do I have to have insurance?
    By Miss Amanda in forum Opening a daycare
    Replies: 4
    Last Post: 01-20-2013, 03:20 PM
  4. Replies: 18
    Last Post: 09-04-2012, 12:42 PM
  5. Insurance
    By withtheweeones in forum Managing a daycare
    Replies: 10
    Last Post: 06-11-2012, 09:19 PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts

A few tips...

If you encounter a daycare provider with out-of-date openings / spaces, click on the button right above the currently listed openings to report it!
Updates
We expect providers to keep their listing and available openings up-to-date. However, to prevent oversights, openings expire after 45 days.
Partner in your
search for a daycare provider