{"id":1621,"date":"2020-04-13T12:47:18","date_gmt":"2020-04-13T18:47:18","guid":{"rendered":"https:\/\/www.insuringky.com\/blog\/?p=1621"},"modified":"2020-06-05T11:54:50","modified_gmt":"2020-06-05T17:54:50","slug":"home-businesses-daycare-schools","status":"publish","type":"post","link":"https:\/\/www.insuringky.com\/blog\/home-businesses-daycare-schools\/","title":{"rendered":"Home Businesses (Daycare\/Schools)"},"content":{"rendered":"\n

A variety of businesses\nare routinely operated in homes. This article discusses aspects of particular\noperations. Refer to Home Businesses – Basics for background information\non coverage as well as our other articles discussing different in-home businesses.<\/p>\n\n\n\n

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Daycare or In-Home\nSchools<\/strong><\/p>\n\n\n\n

Coverage for abuse or\nsexual assault for small schools is often difficult to obtain at a reasonable\nprice. Limited corporal punishment coverage for teachers who are employed by a\nschool system may be available from your homeowners carrier.\nIf you are an independent tutor or run your own school, most homeowners\npolicies cannot be modified to include corporal punishment. Abuse and corporal\npunishment may be available through the association(s) that\nspecializes in your type of school.<\/p>\n\n\n\n

While the company that\nwrites your HO policy may be willing to add an endorsement to cover piano\nlessons, most will not want to cover a three-to-five child daycare operation.\nLiability coverage may be purchased separately. Coverage for property and\nliability can be provided through a Businessowners policy,\nbut none of these forms includes professional liability or abuse or corporal\npunishment.<\/p>\n\n\n\n

\"Will
Does your homeowners insurance cover a small daycare?<\/figcaption><\/figure>\n\n\n\n

Specialty schools, such\nas ballet, sports, personal training, animal training, or horseback riding will\nrequire specialty coverage. Again, your trade organization, or independent\nagent can often find you coverage at a reasonable price.<\/p>\n\n\n\n

Workers compensation is\nessential for any person you employ.<\/p>\n\n\n\n

Driving students in\nprivate vehicles or bus-like vehicles poses special problems. You must hold a\nCommercial Driver’s license if you haul more than 16 people including the\ndriver. Your school is probably too small to qualify for standard business auto\ninsurance. If standard coverage is unavailable, many states have assigned risk\npools and other mechanisms to provide you coverage-sometimes at reasonable\nprices. A good independent agent will understand these markets.<\/p>\n\n\n\n

Your state will also\nhave laws regulating the transportation of students and these laws may require\na special license when transporting fewer than 16 people. Subcontracting the\ndriving does not lessen your responsibility for a whole raft of laws from\nvehicle accidents, workers compensation, ADA, and whether the driver has met\nthe new substance abuse requirements.<\/p>\n\n\n\n

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COPYRIGHT: Insurance Publishing Plus, Inc. 2016<\/em><\/p>\n\n\n\n

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

A variety of businesses are routinely operated in homes. This article discusses aspects of particular operations. Refer to Home Businesses – Basics for background information on coverage as well as our other articles discussing different in-home businesses. Daycare or In-Home Schools Coverage for abuse or sexual assault for small schools is often difficult to obtain at […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[2982,2984,2985,2983,2986,2977,2981,2979,2978,2980,2064,2047,2135,2045,2987,2991,2988,2990,2989,2066,2048,1797,2967,2962,2968,2965,2975,2972,2970,2964,2974,2124,2969,2963,2973,2971,2966,2976,2117,2063,2046,2120,2132,2127,2067,2049,2050,2136,2130,2960,2957,2959,2958,2961],"class_list":["post-1621","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-childcare-insurance","tag-childcare-insurance-ga","tag-childcare-insurance-in","tag-childcare-insurance-ky","tag-childcare-insurance-sc","tag-daycare-insurance","tag-daycare-insurance-ga","tag-daycare-insurance-in","tag-daycare-insurance-ky","tag-daycare-insurance-sc","tag-ga-home-based-business-insurance","tag-ga-home-business-insurance","tag-ga-home-based-business-insurance-specialist","tag-home-business-insurance","tag-home-school-insurance","tag-home-school-insurance-in","tag-home-school-insurance-ky","tag-home-school-insurance-sc","tag-home-school-insurnace-ga","tag-in-home-based-business-insurance","tag-in-home-business-insurance","tag-insurance-for-a-home-based-business","tag-insurance-for-childcare-operated-from-home","tag-insurance-for-daycare-operated-at-home","tag-insurance-for-ga-childcare-operated-from-home","tag-insurance-for-ga-daycare-operated-from-home","tag-insurance-for-ga-home-school","tag-insurance-for-home-school","tag-insurance-for-in-childcare-operated-from-home","tag-insurance-for-in-daycare-operated-at-home","tag-insurance-for-in-home-school","tag-insurance-for-in-home-based-business-insurance","tag-insurance-for-ky-childcare-operated-from-home","tag-insurance-for-ky-daycare-operated-at-home","tag-insurance-for-ky-home-school","tag-insurance-for-sc-childcare-operated-from-home","tag-insurance-for-sc-daycare-operated-from-home","tag-insurance-for-sc-home-school","tag-insurance-for-working-from-home","tag-ky-home-based-business-insurance","tag-ky-home-business-insurance","tag-ky-home-based-business-insurance-2","tag-ky-home-based-business-insurance-speciaist","tag-ky-home-based-wholesale-business-insurance","tag-sc-home-based-business-insurance","tag-sc-home-business-insuance","tag-sc-home-business-insurance","tag-sc-home-based-business-insurance-specialist","tag-sc-home-based-wholesale-business-insurance","tag-will-ga-homeowners-insurance-cover-my-business","tag-will-homeowners-insurance-cover-my-business","tag-will-in-homeowners-insurance-cover-my-business","tag-will-ky-homeowners-insurance-cover-my-business","tag-will-sc-homeowners-insuirance-cover-my-business"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t