Central thread for daycare insurance 2016 by province

[bright sparks]

State Farm/Certa in Ontario will cover 5 children plus your own and will also allow a pool onsite.

[mattsmom]

State Farm/Certa in Ontario will cover 5 children plus your own and will also allow a pool onsite.

State Farm will also cover up to 6 children if you are with a licensed agency.

[bright sparks]

State Farm will also cover up to 6 children if you are with a licensed agency.

Good to know. Thanks for updating that!

[Suzie_Homemaker]

State Farm will also cover up to 6 children if you are with a licensed agency.

Not in PEI. State Farm only cover 5 here. This might be provincial differences for this insurance. I just been through exercise of change insurance which renewal date was tomorrow.

I really think limits change by province and not apply across country.

In recent calls made this month, for PEI dayhomes, the limit is :-

Co-operators
Will say 4 but if you ask them speak to underwriters, they will cover 6.

TD
Will cover 6 but very inconsistent when call so keep calling until get someone who checks because it is limit 6.

Aviva
Cover 5 including household children

Wawanesa
Cover 4 daycare client - household children not counted. Until recently did have some day homes with cover for 6 which grandfathered in from 2010 change to 4 but no longer covering grandfathered numbers.

RBC Insurance
Will not cover any home based business on house insurance

All State
Will cover 5. Household children not included.

State Farm
Will cover 5. Household children not included.


I not have trampoline or pool but every insurance I called ask if I did. Not sure if this mean they not cover these at all or if there extra fees for it.