Home Daycare Liability Insurance

home daycare liability insurance

Have you been thinking about starting up your own daycare to watch other people’s children? We must tell you that starting a daycare is a wonderful decision because you will get to interact with children of all ages and all walks of life. If this thought has went through your mind, then chances are you have thought about some type of insurance you will be needing. We must tell you, when you own a day care center or nursery school, home daycare liability insurance is a must. Within this article, we are going to be telling you some basic information on the insurance requirements when owning a daycare of any type.   

To begin with, in order to receive a license to run a daycare, you must show proof of insurance to the Department of Health and Human Services. Please note that home care providers are not required to have insurance to become licensed. Even though home provider services are not required to have insurance by the Department of Health and Human Services, they still may need to have special liability coverage going through their renters or homeowner’s insurance provider. 

When describing a home daycare provider, you will define this as an individual who receives money for watching over three to twelve children that are under the age of thirteen on a regular basis and they are not the providers children. If you are watching over two children that are not your own children, then you will need to tell the insurance company you are with in order to purchase liability coverage. When defining a daycare facility, the Department of Health and Human Services says it is a house or other place where an individual carries out a regular program and watches three or more children that are under the age of 13.  

If you have come to the conclusion that you need to get insurance, then you will need to think about the type of policy you want and how much coverage you will be needing.  You can do this by contacting a number of different insurance providers, attorneys or other day care providers in your area. If you are planning to provide day care in the home you rent, own or lease, then chances are you already have a homeowners policy. This policy is the basic policy that a lot of individuals have in order to cover their property in case of damage from a fire or some other disaster. The homeowners insurance is also known for giving coverage from certain accidents to others while they are visiting your property you own or rent. Keep in mind that a homeowners policy by itself is not going to cover your day care activities, you will need to contact the homeowners insurance company and tell them what you are doing. 

Chances are you will be able to add a rider to your homeowners insurance policy. The rider will give you liability covers for a certain set amount of children while they are being watched for you. You should keep in mind that if you do not notify your insurance company that you are running a business in your home, then they could cancel your policy or refuse to pay a claim.