Howdy folks!!
Just updating my website since I'll be reopening in May and I had a question for Ontario providers who may already know what I am seeking the answer too.
It is my understanding that Providers who sign up with an agency are allowed to take 6 children...is this correct? If so, how does liability insurance work? There isn't a single insurance provider in Ontario that will cover a home daycare provider for 6 children regardless of the Bill 10 laws and how many children they are allowed to care for. There are still only a handful of insurance companies who will cover a provider for 5, and not all of those are "plus" your own children. I was wondering how many people opting to go with an agency are aware of this issue and are as a result going entirely uninsured...or does anyone know if the agency are offering them insurance through them?? Although I can't see how this would work legitimately.
Just looking for some clarification as I know a few providers have mentioned that attendance needs to be kept on hand in case of a house call from an inspector to verify numbers and attendance, and I wanted to have all my bases covered and display my insurance in my entryway in addition to having all other necessary paperwork should I be sprung on. I'm also putting together a page entirely on law and insurance matters as a resource for parents looking for childcare, so this was something I wanted to confirm.
TIA