Liability insurance help

[bright sparks]

Your own child is not a daycare child and would be covered under your own house insurance

I know many providers who have had this issue. When the insurance company asks you how many children you will be caring for these particular companies will ask how many children you have of your own and if they are additional. I know lots who have said we will insure you for five but not in addition to your own children.

It's not like there is a universal policy. Regardless of what you or I think, they can set their own rules. I think the basis of this decision comes from the more children in ones care, regardless of whose they are, increases the liability so 5 including your own prevents those with multiple children caring for potentially a lot more. This isn't so much an issue now though given Bill 10's restrictions on numbers and ages of children included the providers own.