Operating an in-home daycare business from a personal residence comes with homeowners insurance liability and potential property damage concerns. There are also liability worries for people who take their own children to an in-home daycare provider. Running a daycare from a private dwelling should be something that a policyholder addresses with their insurance agent, and the agents at Oyer, Macoviak and Associates are available to answer any questions or concerns.
Providing Daycare Service from the Home
If a homeowner is operating any sort of business, especially one that involves looking after young children from their home, they should report it to their insurance agent immediately in order to make sure adequate coverage is in place. It may be in the best interest of the policyholder to purchase an umbrella policy to extend their liability coverage.
All daycare operations should follow state and county guidelines. The proper licensing should also be secured, and all rules regarding the maximum number of children allowed to be watched should be followed.
Utilizing an In-Home Daycare
Before a person begins using an in-home daycare service, he or she should be sure to tour the daycare provider’s home and interview the person in charge and any of their staff. It is important to ask to see all documentation regarding municipal and state regulations. Questions regarding: the number of children currently be taken care of, the meal program, and the existence of transportation service should be asked at the first meeting.
If a person’s child is harmed or injured at an in-home daycare, it may be the responsibility of the provider and their homeowner’s insurance coverage to handle all medical bills. Policyholders are encouraged to talk with Oyer, Macoviak and Associates in order to better understand the claims process for this type of situation.