If someone runs a child daycare center from their own home, homeowners insurance agents in Sutton MA, will advise this person that standard coverage does not cover liability if anything happens to one of the little ones. But, what about simple babysitting in one’s own home? It’s essential to learn whether additional coverage is needed in regard to babysitting for profit in the house even when it’s only for one or two children.
If any harmful incident ever were to occur, the babysitter might consider denying caring for children in return for money. Even if the child’s parent agrees to go along with this, the insurer may still find out that money was, indeed, changing hands. If for-profit child care is not covered by the insurance policy, the homeowner is at risk of losing a great deal of money. The homeowner may be responsible for expenses such as hospitalization, treatment of a fracture, or therapy for a head injury. A distraught mother or father might demand compensation for the parents’ emotional trauma, as well as for the child’s pain and suffering.
Talking honestly about the plans with Homeowners Insurance Agents in Sutton MA, is the best course of action. When a person will only be babysitting children occasionally, then standard liability may cover any negative incidents. In contrast, when child care will happen regularly, then separate insurance for babysitting may be required. Although it may seem unreasonable, working at home for money is technically a business. Courts have generally upheld this point of view, taking the side of insurance companies in cases that go to court.
Relevant factors in some regions and with some insurance companies include how many children are being cared for at any given time. For instance, homeowners liability may be applicable if the person is only babysitting one or two youngsters, but not if there are three or more kids who don’t live at the residence.
A firm such as Northeast Insurance Agency, known as NE Insurance, can answer questions about how much liability insurance would cost to cover this type of small business enterprise. Check Out Neinsure.com for contact information.
