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For a daycare, whether it be at a rented location or in home, you need to have general liability insurance, workers compensation insurance for employees, and possibly an accident policy to cover the children should small medical issues/claims arise from your daycare operation.

Transporting the childern would bring significant additional risk so is best to avoid if possible.

At home daycares are more difficult to insure than a facility specifically built for daycare and 100% childproofed.

In California, insurance for a start up daycare facility with two employees is likely to cost over $10k for the whole package (Gl and work comp)

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โˆ™ 2013-07-19 18:06:21
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Q: What kind of insurance should you have if you are starting your own child care center?
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Related questions

Does a home based child care center need commercial liability insurance?

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.

How long should you carry insurance to protect your children?

You should carry insurance on your children until they are old enough to get insurance on their own. This is usually when your child graduates college. As long as your child is a full-time student and one of your dependents, then you should be able to carry insurance on them.

If your child moved out of the house at 18 why can't you take him off your auto insurance?

If you can show your insurance co. that your child lives on their own AND has their own car insurance, you should be able to get your child OFF of your policy

A child should have their own savings account starting at a young age. ?

A child should have their own savings account starting at a young age.

Should a child be taken out of a child care center if another child has hepatitis B?


Will insurance allow you to put your independent child's vehicle on your policy?

Insurance should. I would check with your information to see if your company can.

How long can you insure a child?

This is specific to insurance companies, and the type of insurance. Auto insurance, forever Life insurance, forever health insurance, as long as the child is a dependent and under 21, 23 if attending school (NOTE: these are general and you should consult the specific insurer to confirm)

How much should child insurance for child?

It depends on what you want your child to become. If you want the child to have a professional education like engineering or doctor your insurance amount would run in lakhs. Try to save up a decent sum for your child through insurance so that he/she can concentrate on studies instead of sustaining themselves. Ex: 10 lakhs or more should be good enough for one child to finish education at the current cost of living.

Is policy holder health insurance automatic guarantor of step child?

In medical insurance, the policy holder of the policy is not automatically the guarantor of a step child. To become the guarantor of the child a formal adoption should have taken place, or the child can be added to the policy.

Does medicad pay for a child who is enrolled in Huntingtion learning center?

Such enrollment should not affect the child's Medicaid eligibility.

What can a parent do to get the best rates of life insurance to protect their child's future?

If you're looking to protect a child's quality of life should a parent die, look into term life insurance with the term expiring when the child grows up.

Should you add a child to your auto insurance policy?

Not necessary- you only add/exclude drivers

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