I spoke with my Landlord earlier who I informed I would opening a small home daycare. I didn't realize how concerned he would be. He told me story after story of accidents that might happen in my care, and has frightened me to the point where I'm not confident to open my daycare now. I'm wonder how many people have experienced a parent filing a lawsuit or threatening to? Is this something that happens often? To what extent does daycare insurance cover you, and will they cover an unlicensed home daycare? TIA