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Babies: 0 - 3 Months
XP from Local ? regarding Daycare Contract
Hi Ladies,
I'm from the 2nd tri, but have a question that I was hoping some of you could give me some insight on. We're almost ready to put a deposit down on a home day care for our baby (our neighbor is a SAHM and is going to start watching a few children each week).
I have a question regarding one of the sections of the policy: Under Insurance it states, "I do not currently carry special liability insurance for day care. Please be aware of this when enrolling your child in this daycare home.
What does this mean and should I be concerned about this? Does this just mean that we will be responsible for all medical bills, etc if the baby gets hurt while in her care? Any advice or feedback would be appreciated!
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Re: XP from Local ? regarding Daycare Contract
I'm not entirely sure. ?If I had to guess, I would say that she means that she doesn't have any special insurance covering liabilities (medical, accidents, etc) related to the in home care. ?There is probably a clause in her homeowner's insurance that excludes coverage for liabilities associated in home businesses. ?Thus, if something happens to your child while in daycare, there wouldn't be any insurance coverage. ?Obviously, your own health insurance would cover medical issues, but she doesn't have insurance coverage.
That's just my guess, though. ?I would ask her to explain the clause.?
basically it means that if your child gets hurt and you sue her, you're limited to how much you can collect. the special liability insurance would cover her in that instance. if she doesn't have that special insurance, you're limited to collecting whatever she has in homeowners (if her policy covers her in that instance, which would depend on the policy) and what they personally can pay. so, you might get a judgment for $3 million, but if the homeowners only covers $250,000 and they can only pay $50,000, you're out the remainder.
HTH!