If you are thinking about starting a day care business in your home to earn extra income, this overview will help you learn about the things you need to consider for commercial operations in your house.<\/p>\n
Operating a day care in your home means dealing with significant licensing and regulatory compliance issues, such as obtaining a business license and operational permit, building code compliance, fire safety compliance, passing a health department inspection, zoning, and HOA restrictions. You will also want to conduct emergency evacuation planning and have medical emergency procedures to follow.<\/p>\n
You will want to consult with your agent at Hamilton Fox & Company Inc. in Pinecrest, FL, about your commercial insurance needs, such as home-based business coverage. You will need general liability insurance, professional liability insurance, and commercial property insurance.<\/p>\n
For any employees, you will need to have workers’ compensation insurance and conduct full background checks for abuse and molestation coverage.<\/p>\n
For various activities, there is special insurance. If you serve food (including milk and cookies), you will want to have food preparation liability insurance. You want to think about indoor play area risks, equipment and toy coverage, playground equipment liability, and coverage for outdoor activities.<\/p>\n
Child injury claims include slip and fall exposure, infant care liability risk, and coverage for multiple children. Talk with your agent about medication administration risks, communicable disease exposure, and security camera liability issues.<\/p>\n
Umbrella insurance may be helpful to cover some things that are not covered by other insurance, such as legal fees from parental lawsuit risks, and to extend the policy limits of other policies.<\/p>\n
Starting a day care center in your home is a complex endeavor. Be sure to consult with your agent at Hamilton Fox & Company Inc. in Pinecrest, FL, about all your commercial insurance needs.<\/p>\n","protected":false},"excerpt":{"rendered":"
If you are thinking about starting a day care business in your home to earn extra income, this overview will help you learn about the things you need to consider for commercial operations in your house. Regulatory Compliance Operating a day care in your home means dealing with significant licensing and regulatory compliance issues, such […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[27,22,5,20,21],"class_list":["post-255","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-commercial","tag-fl","tag-hamilton-fox-company-inc","tag-insurance","tag-pinecrest"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/255","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/comments?post=255"}],"version-history":[{"count":1,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/255\/revisions"}],"predecessor-version":[{"id":256,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/255\/revisions\/256"}],"wp:attachment":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/media?parent=255"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/categories?post=255"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/tags?post=255"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}