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)
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.
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