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Having a daycare in your home does not require that you get insurance in order to become licensed, but having childcare insurance is always a good idea to have. If you run a daycare center that is outside your home, you are required to have daycare liability insurance in order to be licensed. Sometimes if you run a childcare in your home, your homeowners or renters insurance company might require that you get more coverage with business liability in order to keep your homeowners policy.

Before getting liability insurance for your daycare, you might consider talking to some other daycares that are similar to your own. See what type of liability insurance they have and if it is tacked on to their homeowners insurance or if it is a separate liability policy. They may be able to give you some good tips on what to look for and what questions to ask an insurance agent. Some homeowners insurance allows for a certain amount of people to be in your care, and if you go over that limit, that is when you would need an extra policy.

Childcare insurance is good coverage to have in case something happens to the children who are in your care at a daycare. If something were to happen to one of the children or if something else were to happen at your home that was business related, having business liability insurance could cover that so that you are not left holding the buck.