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| If you are doing
baby-sitting out of your home and you are not required to be licensed, keep in mind that you still can be held legally liable for any situation that any licensed facility can be held legally liable. |
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| Keep in mind that if you are
sued, the plaintiff doesn't always win. But, you will have to be defended and if
there's a judgement, it's a lot easier to recover from
"a problem" if an insurance company pays for your attorney, etc. |
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Talk to your insurance agent
or broker. Your homeowner's or renter's insurance policy
should be endorsed for your business. Sometimes you can even have an endorsement added to
your automobile insurance policy that can protect you in your home.
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Good Luck!
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