You need General Liability to begin with. This policy will need to cover medical costs that a student/customer would need if they get hurt or sick, cut or burn themselves or slip and fall. If you rent a kitchen/facility part of the requirements will be that your landlord be an 'additional insured' in case you burn the place down or cause other damage to the faclity. Each state has different laws on liability insurance. The amount of coverage will depend on how much your landlord requires in the case there is damage to the facility (in high real estate areas this could mean you need to have a policy that covers in the millions). There is much more to operatiing a cooking school/classes than only the liablity policy. You most likely cannot legally run it out of your home. This does not cover worker compensation, state disability or other employee related mandatory insurances.
You should contact an agent, there are too many variable, (ie limits, exposures etc).
If they're your own children - your ordinary car insurance will cover them. If they're someone else's children, strictly speaking - you need 'public liability' insurance.
You need premises liability insurance that covers your business. Disclose all facts to your insurance agent so that the policy will cover you.
If you care for five children, the cost is just over $2.60 per child per week according to one source. Contact an agent and discus the specifics.
Should be none.
Her children's birthday are celebrated when her child was born.
The main difference between children's and adults health insurance is that children may be eligible for low- or no-cost insurance through Medicaid or the Children's Health Insurance Program.
Usually if you own a trampoline an insurance company will not issue you a homeowners policy. It is a liability loss exposure that is above normal risk. trampolines attract neighbor children and causes very serious injuries when children fall off them. The next thing that happens is the parents of this child sue you and your insurance company has to defend you in court as well as pay damages.
Under current law until the end of the month of their 26th birthday. There are some exceptions for special needs children that would extend that time.
Yes, it is possible that your insurance will pay before your ex-husband's no matter what the divorce decree states. Most insurers use what is called the "birthday rule". The plan of the parent whose birthday occurs first in the calendar year is considered the primary (or first) payer for the children's needs. The other parent's plan pays second. You can talk to the plans about handling it differently. Or, you could consider dropping the children from your plan and banking the money you spent on premiums. It's expensive to cover the children on two plans.
http://www.chipcoverspakids.com/ is a great insurance idea for you. It is for children, and it will help any sick children who should have insurance.
There are several insurers that offer term life insurance for children. Some of the leading providers of life insurance for children include Globe Life and Gerber Insurance for children. Also, you can compare rates and plans online from a quote provider that can give you quotes for childrens life insurance from several insurance companies.