There is no way to answer this, rating is dependent on too many factors, contact an agent or agents in your area and get quotes.
To become licensed child care center, you are required to have commercial liability insurance. However if becoming licensed is not your goal, commercial liability insurance is not necessary. You should consider increase your home owners insurance to protect you in the event of accident. Most insurance companies will provide you additional coverage for people wanting to do a start a home based day care.
It would definitely be worth getting liability insurance for your new business. It is in place to protect businesses from being sued by a third party due to negligence. Having liability insurance is a must for any business. Liability insurance, or business insurance, protects your company against lawsuits that claim you failed to use reasonable care.
I'm not certain that it's actually legally required. However, even if it's not mandated, if you don't have liability insurance anyone can accuse you of breaking whatever and whether you did it or not, you're going to be the one dealing with it, including shelling out for legal fees and possibly paying for it if you lose the case. If you do have liability insurance, the insurance company will be taking care of a lot of that for you. Bottom line: yes, you need liability insurance.
If the child care center is being used for it's intended purpose, i.e. providing child care for a certain amount of time either for a fee or as part of a membership service, there is no difference between the foster parent and a biological parent. There is no law prohibiting foster parents from utilizing child care services. If you are instead questioning the propriety of the location of the child care because it is in a gym, as long as the care center meets the requirements set down for child care providers in their state there is no problem. If the foster parent does not have an agreement with the care center to provide care and instead is just dropping the child off, this is not okay, and would not be okay for a biological parent eiither. It then becomes the responsibiity of the care center employees to contact the proper authorities to report the problem.
The child's parents should want to pursue a liability claim against any, and every party involved in the child's injury. The question as to whether the neighbor will ultimately be relieved of liability, because the child was first and foremost, in the direct custody of the day care business is a question for the court. If the child wandered onto the neighbor's property, there is a first a issue of negligent supervision that the day care center will need to defend themselves against. It is likely that the negligent supervision was the proximate cause of the injury. However, the lack of supervision might be seen as a contributing cause, if there was "conduct" on the part of the neighbor that also contributed to the injury. There are not enough facts in this question to really answer it.
If a child care provider is accused of hitting a child in his or her care, the situation should be investigated. The director of the center should speak with both the child and worker separately. Also the child care worker, should be placed on suspension until the incident is completely investigated. If no other complaints from children or parents, then they should return back to work. The center should still keep an eye open on the worker. If another incident like this has come up again, then fired immediately.
Do you have a child that is going away to college or is currently a student at a university? If so, your child may no longer be covered under your health insurance policy. Check with your provider when your child turns 18 to see if your child is still covered under your health insurance plan, as many health care providers consider the age of 18 as an adult. If you need to purchase health care coverage for your child, ask the college if they offer student health insurance. Most colleges offer insurance to students at a very reasonable rate.
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