I am a private hdc with extra insurance. From what I remember, a few examples she gave would be that it covered...

- damage to my home/supplies/toys
- if a child hurt themselves in my care (if I was found not at fault, not sure how it works if I was found to be negligent?)
- if I called an ambulance, parent is responsible to pay (this also is one of my clauses though)

However, to my knowledge, if I had a pool or hot tub, insurance would be void (or maybe just more $$$. We don't have either so I didn't pay attention). If you're over your legal number of kids allowed, insurance is also void