Insurance for 5 kids

[MonkeyPrincess]

ok now here's an important question. Is your daycare a legal and registered business, or are you doing it private? I was told by TD and Allstate that if you are private and don't have a legal and registered business, then you should be fine with your home insurance, just to up the liability for about 130-150 dollars. If you are a legal business, then you need commercial liability insurance, and they told me it ranged from like 700-1000 dollars. Fine if you make a ton of money, but i don't, i barely made 9 grand last year but In my honest opinion, i would pay it because i feel it's better to be safe than sorry.

[sunnydays]

Well private daycares are "legal" businesses, so that doesn't even make sense. None of the companies I talked to said anything about whether or not I had a registered business name.

ok now here's an important question. Is your daycare a legal and registered business, or are you doing it private? I was told by TD and Allstate that if you are private and don't have a legal and registered business, then you should be fine with your home insurance, just to up the liability for about 130-150 dollars. If you are a legal business, then you need commercial liability insurance, and they told me it ranged from like 700-1000 dollars. Fine if you make a ton of money, but i don't, i barely made 9 grand last year but In my honest opinion, i would pay it because i feel it's better to be safe than sorry.