Home daycare insurance covers you where your homeowners won’t!

Some people who operate childcare facilities in their home are under the mistaken impression that their regular homeowners policy and its liability and medical payment coverage will cover them. The insurer looks upon your use of your home for childcare as a business. A business operated in your home will not be covered by a regular homeowners insurance policy.

There are a couple options open to a daycare operator who uses their residence as a childcare facility. Home daycare insurance as a business can be purchased from companies who provide that type of business insurance. There may be a less expensive option in the form of a rider or endorsement on the homeowners policy which you already have. You will need to explore the possibilities and offerings from your current insurance provider or begin a search at ConsumerCoverage.com for a homeowners insurer that offers such an endorsement.

What day care insurance coverage as a rider or endorsement provides for is greater liability coverage. Liability coverage that is specific to the needs of the home day care business:

• General liability coverage - You are allowing people on your property and housing children for a portion of their day. This increases your exposure to liability for accidents and injuries to those in your care and those entering and leaving your property.
• Professional liability coverage - Protection against a charge of negligence in performing your duties as a day care professional.
• Commercial auto liability coverage - Do you provide pickup and other services involving a vehicle or vehicles that you own and operate, this coverage protects you against accidents.
• Non-owned or for hire auto liability coverage - Do you hire out services or allow a staff member to carry children in their vehicle or on a hired vehicle for field trips or excursions this indemnifies you against liability.
• Corporal punishment liability coverage - Protects against charges resulting from striking a child by yourself or a staff member. 
• Abuse and molestation liability coverage - Suits involving charges of this type are covered by this.
• Error and omissions liability coverage - A lawsuit because the level of care was not as promised or not provided is covered by this.
• Umbrella liability coverage - This more extensive coverage is worth considering particularly for larger operations with more children 
• Property coverage - Equipment protection in the event that equipment that you have at your facility is stolen or damaged.

ConsumerCoverage.com can help you explore childcare insurance coverage to protect you and your home childcare business. If you find that you’re current homeowners insurance provider does not provide the type of rider or endorsement that you need, turn to ConsumerCoverage.com for help in finding a company that does. This internet site provides free comparative quotes and services on the most important personal insurance services health, home, life and vehicle coverages.

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