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Liability Insurance Information and Sites
Homeowners or
renters insurance policies are limited or even negated when it comes to
businesses within a home. Most
standard insurance policies supply limited coverage on accidents that occur.
Some insurance companies will
cover you by adding to your homeowner’s or renter’s insurance. They charge
an extra fee for this coverage. You
can also buy a policy to cover just liability for your daycare business. If a child gets
hurt in your home you could be held financially responsible. Liability insurance is a type of insurance that offers
coverage for the damage or medical expenses of someone who gets hurt in your
home. Liability insurance can protect you and your possessions, up to the limits
of the policy, if you were to be sued. When selecting a
Liability policy always check for EXCLUSIONS, or things the company will not
cover. Even if you have
liability insurance, it is important to always take preventative safety
measures. It is the responsibility of a caregiver to provide a safe environment
with good supervision so that children do not get hurt. Parents are more likely
to sue you if they think that you have been negligent. The following are
some helpful links and phone numbers… http://www.redleafinstitute.org/ http://www.morganinsurance.com Texas Registered Family Home Insurance Association Contact: Wanda Godfrey (214) 327-2946
National Care Provider Insurance Inc. (800) 624-0912 Everman
Insurance
Forest T. Jones Insurance (800) 265-9366
Wiggins & Company (214) 827-7830
Health
Insurance Information and Sites Medical
coverage can be of concern when you are self-employed. While some may receive
coverage through a spouse, others may not. Individual health, dental, disability
and life insurance are available through several resources...
Whichever type of insurance coverage you choose count on a six-week turn around for them to process your application. A good rule of thumb is to not let previous coverage lapse before seeking new coverage. Lapse of previous coverage generally makes it more difficult to get approved for new coverage. The following are some helpful links... http://www.healthinsuranceindepth.com/other-self-employed-insurance.html http://www.healthinsurance.org/freequote.lasso http://www.ehealthinsurance.com/ehi/
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danielle@kidsncaregivers.com with
questions or comments about this web site.
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