The surprising answer for many family child care providers is “probably not.”
Homeowners’ insurance is personal insurance and is not meant to cover risks associated with caring for children.
Homeowners’ insurance covers three basic things:
1) your house
2) the contents of your home, and
3) some personal liability protection.
When you start using your home for your family child care business, you may lose some of this insurance protection you once had. This can come as a shock when you make a claim against your homeowner’s insurance policy and find out you aren’t covered!
This is the beginning of an article I’ve posted on childcareinfo.com. The article explains what you need to do to be sure you are covered by your homeowner’s insurance policy.
Childcareinfo.com is a community for family child care providers and parents that offers a wide variety of resources including recipes, a blog, and a newsletter. It serves as a clearing house for many online resources (children’s activities, training opportunities, equipment, and more).
Childcareinfo.com was created by Minute Menu to offer free assistance that will help the family child care community grow.
Tom Copeland – www.tomcopelandblog.com
Image credit: stutheitandgartland.com
For more information about homeowner’s insurance and other insurance policies that affect your business, see my book Family Child Care Legal & Insurance Guide.