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have a home daycare facility requires home daycare insurance. This insurance applies to bodily injury to the children at the daycare on the premises and property. Licensed and unlicensed are different form home daycare policy. Homeowner policies will not be liable for your daycare facility if you are not licensed home daycare. Some insurance companies have Eigenheimzulage insurance and the daycare under the current policy. Before you go home daycare insurance, check to see if your homeowner or condominium policy, this type of policy in home daycare regarding insurance.
You must be a business policy, the required coverage for your day-care facility, if you want to operate a licensed facility. There are different types of insurance at home daycare. There are basically 3 types of liability policy in the field of insurance home daycare.
1. Homeowner insurance or renters insurance - These allow you to select the type of protection that the insurance coverage of children in your daycare facilities. And no child abuse coverage.
2. General Liability - This insurance covers field trips, and child abuse at no additional cost and the type of protection that the insurance on the children in daycare, or premises.
3. Professional liability / errors and omissions insurance - The insurance within the maximum range of day-care insurance. This includes insurance for negligence in child care. Here are some aspects that under this policy.
- Personal Injury
- Accident on the property (pool)
- Excursions
- Abuse of children
- Transportation for the children (auto liability)
- Medical expenses due to accident
- Accidental death on the property
There are two types of insurance form and an event information form. This event is always recommended, because it is the claim that even if the policy has expired. When the parents sued on their child injury or illness, the home day-care insurance covers the legal costs. Do not forget to be aware of the insurance, which you use. This home day care insurance is very important in your company and your own interest.
When starting a business a day, you have to know all the details that are important in your company. You can order online, some tips and guidelines that can help you with your business partners. Get as much information as possible to help you in operating your daycare business.
See also: Starting a Nursery
Dolson McArt - Author: Home Daycare Insurance
EzineArticles.com help since March 2007
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