Insurance while Renting?

[bumbleberry]

An update. I called TD and they *do not* provide dayhome insurance if renting. They suggested I would need commercial insurance and also strongly recommended it anyway as there are many exclusions with strictly dayhome insurance. For instance, if a child has an allergic reaction to a food, there is no coverage.

@Suziehomemaker. Yes, worth mentioning, but I was nervously already aware of needing to have that conversation in the future. Seems like a hard sell!

[Suzie_Homemaker]

An update. I called TD and they *do not* provide dayhome insurance if renting. They suggested I would need commercial insurance and also strongly recommended it anyway as there are many exclusions with strictly dayhome insurance. For instance, if a child has an allergic reaction to a food, there is no coverage.

@Suziehomemaker. Yes, worth mentioning, but I was nervously already aware of needing to have that conversation in the future. Seems like a hard sell!

Call back TD and hope for someone else. They DO provide insurance when renting. My friend who rents is with them.

[Lee-Bee]

I think that you need to choose your wording carefully!

While I would never call us babysitters i can't help but think you would get more accurate answers here if you say you want to ensure you have coverage for up to 5 kids that you babysit regularly. If you say you want to run a home daycare then the phone people will jump to commercial insurance because you are talking about a business in your home.