You can add this coverage as an endorsement or insurance rider. Some home insurance companies offer home day care insurance as add-on coverage to your homeowners policy. While some child care providers may assume their business is covered under their policies, this is simply not the case. Home-based day cares are not covered under a standard homeowners insurance policy. Does My Homeowners Insurance Cover My Home Day Care Business? For larger day care centers, home day care insurance may be small business insurance. Home day care insurance, also known as child care insurance, financially protects care providers from the unique risks at-home day cares may face.įor smaller home day cares, home day care insurance may be a special type of home business insurance that supplements a homeowners insurance policy.
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