Yes, as long as the child doesn’t have a disability that affects their ability to be potty trained. In other words, if the child’s disability is the reason why she is not potty trained you cannot immediately refuse to provide… Read More ›
Ask Tom > Legal & Insurance
Yes! The exception to this is that you cannot take off the name of a biological parent (unless you have a court order that says he/she has lost parental rights) or a parent who has legal rights to the child… Read More ›
Potentially, yes. A provider wants to allow children and their parents access to her swimming pool during child care hours. She asks, “Will I be held liable if a child is injured after her parent signs out for the day,… Read More ›
Absolutely yes! Incorporation (in whatever form) is not a substitute for business liability insurance. If a parent sues you (regardless of its merits) you will still need a lawyer to defend you. That’s what insurance pays for.
No! Homeowners insurance is personal, not business insurance. You need professional business liability insurance to cover accidents and lawsuits associated with your business. See my article, “Are You Underinsured? Probably Yes.”
Can I ask other providers what their rates are to help me decide whether or not to raise my rates this year?
Competitors cannot discuss rates. It’s called price fixing and is against the law. If the other provider doesn’t know you are a provider, then you can ask her about her rates. There are many ways you can collect rate information…. Read More ›